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What if you’re all set for your business trip, but just when you’re about to head off, something happens that makes it impossible for you to go? Trip cancellation insurance gives you cover in case of unforeseen events before a business trip, such as illness, accidents or death (including of related persons). If your business trip is cancelled or delayed, you will be reimbursed for the cost of cancelling or rebooking it.
The insurance covers up to five people (cardholder, employees and non-employees) per card on a business trip, at least 50% of which is being paid for using one or more insured card(s) in total.
The following conditions must be met in order for insurance cover to be provided:
The following maximum insured amount applies per event and per person:
No excess applies.
The insurance policy is included in the annual fee for your Viseca Commercial credit card and does not incur any additional fees.
The insurance policy is included with the following Viseca Commercial credit card:
The insurance policy applies worldwide as well as in Switzerland.
The following are classed as insured events:
A business trip is classed as a temporary absence from a place of residence or work, lasting no longer than 120 calendar days, for work-related reasons, excluding the commute to or from work. This includes a maximum of 14 days off or public holidays, at the very beginning, during or at the end of the business trip.
A related person is classed as:
Related persons are not insured persons and therefore do not benefit from the insurance cover. However, if a trip has to be cancelled or interrupted due to an accident or severe illness suffered by a related person, this is an insured event.
Means of conveyance that operate according to a regular schedule and which require a ticket to be used. Private and business jets that require confirmation of booking are covered. Taxis and hired cars are not classed as public transport.
If hospital admission is required (at least one night), if a drug that is prescription-only in Switzerland must be prescribed by the doctor in the course of treatment, if the doctor declares a person unfit for work for five or more days or if written evidence of unfitness to travel is provided.
Cancellation and rebooking costs are costs charged by the operator if a trip that has been booked must be cancelled or rescheduled to a later date.
The following are excluded from the insurance cover, among other things:
In the case of a claim, try to minimise the damage as much as possible. Please get in touch with your travel operator to cancel the trip immediately. In case of illness, please consult a doctor and request a detailed doctor’s report. Report the claim electronically and download the following documents at https://viseca-ch.eclaims.europ-assistance.com
If you have any questions, call the insurer on +41 22 939 22 11 or email travel@europ-assistance.ch.
No. You must pay at least 50% of the cost of the trip or hired car using a Viseca Commercial Gold credit card to benefit from insurance cover.
Yes, in the case of cancellations for medical reasons, a detailed medical certificate including a diagnosis must be submitted for the purpose of assessing your case.
You can find the precise terms and conditions in the insurance conditions for company credit cards of Viseca Card Services SA.
What if something happens during your business trip that means it has to be interrupted, cut short or extended? Trip interruption insurance gives you cover in case of unforeseen events during a business trip, such as illness, accidents or death (including of related persons). The insurance reimburses you for the costs of the unused part of your business trip as well as the additional costs of the return journey and accommodation.
If a damage event occurs, the insurer (tel.: +41 22 939 22 11) must be contacted immediately and their consent must be obtained for any measures taken and the covering of the associated costs. The emergency switchboard is available 24/7. Please send the following documents to travel@europ-assistance.ch as soon as possible:
If a trip is interrupted, cut short or extended for medical reasons, a detailed medical certificate including a diagnosis must be obtained from the local doctor providing treatment and submitted for the purpose of assessing your case. A medical certificate from a GP at the insured person’s place of residence is insufficient.
No. As at least 50% of the booked trip was not originally paid for using the Viseca Commercial Gold credit card, there is no insurance cover in place.
In the event of a medical emergency during your business trip, medical travel assistance provides around-the-clock assistance. In addition to arranging for assistance, the insured benefits also include covering the costs of:
In case of emergency, please call +41 22 939 22 11.
The insurance covers up to five people (cardholder, employees and non-employees) per card on a business trip.
The following maximum insured amounts apply per event and per person for Mastercard Commercial Card Gold:
The benefits are subsidiary and awarded in addition to the statutory Swiss social insurance systems (accident insurance, health insurance etc.) and other supplemental insurance, provided these do not cover the costs of an emergency hospital stay or emergency outpatient treatment in full. No excess applies.
The insurance policy applies worldwide, except for in Switzerland and the Principality of Liechtenstein. The insured person must be resident in Switzerland or the Principality of Liechtenstein.
The insurance covers severe illness, accident or death of an insured person during a trip in addition to the benefits included in the trip interruption insurance.
Have your suitcases not arrived with your flight? You can breath a sigh of relief. Because if you’re travelling by public transport and your luggage doesn’t appear within four hours of arriving at your destination, the costs of buying basic essentials will be covered.
The following maximum insured amounts apply per event and per person:
The insurance covers the delayed arrival of luggage by four hours or more at the insured person’s destination (excluding their place of residence). The means of transport used must be public.
The purpose of delayed luggage insurance is to give you the option of buying items you urgently need before your luggage arrives.
In the case of a claim, try to minimise the damage as much as possible. Please contact the transport company immediately to report the delay and have them create a claim log. Obtain the required statements and evidence and send us the completed claim documents. Please send the following documents to travel@europ-assistance.ch as soon as possible:
Please contact the transport company first. If the transport company does not reimburse you for the losses in full, then turn to the insurance benefits of your Viseca card.
In future, you will be able to embark on your business trips with peace of mind. Luggage insurance insures your luggage against theft, damage or loss while on a business trip.
The insurance covers the damage, loss, robbery (theft with the use of threats or violence against the insured person), destruction or theft (without the use of threats or violence) of luggage during the trip.
In the case of a claim, try to minimise the damage as much as possible. In the event of theft, loss, damage or destruction of your luggage while using public transport, please contact the transport company immediately to find out how to proceed and have them issue confirmation in writing. In the case of theft, also notify the competent police department without delay and have them produce a police report. Please also keep the damaged items in your possession until the claim has been completed. Please send the following documents to travel@europ-assistance.ch as soon as possible:
On the claims form, list all the items (number of bags and their contents) alongside their respective purchase price that have been affected by theft, loss or damage. Attach all purchase receipts to the claim documents.
To confirm a refund, the insurer always needs all purchase receipts as proof of the purchase of the item in question. For this reason, please keep your receipts safe. If you no longer have it, request a copy of the receipt from the place of purchase. Unfortunately, the insurer will not be able to provide its benefits without it.
No, the insurance does not cover theft from a private or hired vehicle.
No, the insurance does not cover losses arising from the fact that items were forgotten, left unattended or misplaced. Please also note that watches and jewellery are excluded from the insurance cover.
No, the insurance does not cover leaving behind or depositing items, even briefly, in an area that is accessible to anyone outside of the direct personal control of the insured person.
Insured valuable items and accessories must be stored in a locked room that is not accessible to everybody and kept under separate lock and key (suitcase, cupboard, safe) if they are not being worn or used. The item must always be stored in a manner appropriate to its value.
Have you ever been standing at the car rental company counter and suddenly realised that you don’t know which insurance policies you’re supposed to take out? Collision insurance for hired vehicles normally covers damage to and theft of the vehicle. However, if making a claim, you usually have to pay an excess. The collision damage excess waiver on hired vehicles covers the excess in the event of damage to or theft of the hired vehicle and is essentially a form of supplementary insurance for your collision policy.
The insurance covers hired vehicles with a total weight of up to 3,500 kg.
The following maximum insured amount applies per event:
The insurance covers the agreed excess resulting from damage to the hired vehicle or due to theft of the hired vehicle during the hire period.
The excess is the amount that must be paid by the lessee of a vehicle themselves in the event of a claim.
In the case of a claim, try to minimise the damage as much as possible. Please contact the car hire company to find out how to proceed and have them create a claim log. Send us the completed claim documents. Please send the following documents to travel@europ-assistance.ch as soon as possible:
What if your headset suddenly broke right after the warranty expired? If an item is worth CHF 100 or more, the warranty protection is automatically extended at no additional cost. If a warranty claim is made, the costs of repairs and replacements are reimbursed.
The insurance covers new devices for business purposes with a value of at least CHF 100 per item and which fall under one of the following device categories:
The following maximum insured amounts apply per event:
The insurance policy is included with the following Viseca Commercial credit cards:
The insurance policy exclusively applies to devices bought from a commercial vendor (e.g. retail outlet, mail-order company, online vendor) whose registered office is in Switzerland or an EU/EEA country.
The insurance covers defects in the materials or manufacturing of an insured device or accessories which would also fall under the manufacturer warranty.
The extended warranty commences on the expiry date of the manufacturer or retailer warranty and lasts:
Please send the following documents to travel@europ-assistance.ch as soon as possible:
No. You must pay at least 50% of the cost of the item, device or service using a Viseca Commercial credit card to benefit from insurance cover.
In an emergency, the specialists who provide our 24-hour assistance on +41 44 283 34 18 organise the help you need, providing the addresses of doctors, hospitals or lawyers and advice in emergency situations abroad. For all cards except prepaid.
The insurance covers items for business purposes worth at least CHF 50 each.
The insurance covers robbery (theft with the use of threats or violence against the insured person), theft (without the use of threats or violence), destruction or damage, non-delivery or delivery to the wrong address in the case of online purchases or non-acceptance of the return of goods in the case of online purchases of an insured item.
In the case of theft, please notify the competent police department without delay and have them produce a police report. Please also keep the damaged items in your possession until the claim has been completed. Please send the following documents to travel@europ-assistance.ch as soon as possible:
Yes, if you accidentally drop an item on the floor, this is covered. The insurance cover does not apply to deliberate destruction.
In the event of interruption, termination or extension for medical reasons, a detailed medical certificate from the treating doctor on site must be submitted in order to assess your case. A medical certificate from your doctor at your place of residence is not sufficient.
If any legal questions arise in connection with your business activities, experts will provide you with an initial assessment of the legal situation and your prospects of success. You will also be given recommendations on how to proceed from a legal perspective.
The insurance covers the party to the contract who has concluded an underlying contract with the card issuer for the receipt of company credit cards.
Three one-hour legal consultations by phone are included per year and per company credit card client for Mastercard Commercial Card Silver and Gold. If a company card client holds multiple cards, additional consultation sessions cannot be accumulated.
Insurance cover is in place for legal matters within the jurisdiction of Switzerland and subject to Swiss law.
The insurance covers the safeguarding of legal interests in the following areas:
Please call the insurer on +41 22 939 22 11 or email travel@europ-assistance.ch.
Have you received an item that is of poor quality? Has a service not been performed as described in the contract? If a dispute arises in connection with a contract of sale or services, contract legal protection insurance helps you to safeguard your interests, assert claims and cover legal and court costs.
The insurance covers the cardholder.
The insurance covers the safeguarding of legal interests in the event of disputes arising from contracts of sale or services under private law.
Please send the documents relevant to the case to travel@europ-assistance.ch as soon as possible:
On business trips, you rely on service providers to do their jobs properly. But if something ever goes wrong and your legal rights are violated by a travel operator (e.g. an airline, hotel operator or other third party), traveller’s legal protection insurance will help you safeguard your interests, assert claims and cover legal and court costs.
The insurance policy applies worldwide as well as in Switzerland. For the legal areas of insurance and victim support law, geographical cover is limited to Switzerland.
The insurance covers the safeguarding of legal interests in the following areas of law:
In case of emergency, you can call the specialists at the 24h assistance service on +41 22 939 22 11 to organise specific assistance services. They obtain the addresses of doctors, hospitals and lawyers for you and advise you in the event of emergencies abroad.