Insurances:
Benefits, conditions, coverage

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 trip is cancelled or delayed due to an insured event. 
• The duration of the business trip is no longer than 120 days.
• At least 50% of the travel costs were paid for using a Viseca Commercial Gold credit card.

The following maximum insured amount applies per event and per person:

• CHF 10,000: Mastercard Commercial Card Gold

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:

• Mastercard Commercial Card Gold

The insurance policy applies worldwide as well as in Switzerland.

The following are classed as insured events:

• Severe illness, accident or death of the insured person, of persons related to the insured person or of the insured person’s workplace deputy.
• Loss of an insured person’s employment through no fault of the insured person after having made a booking.
• Damage to property at an insured person’s place of residence.
• Travel warning issued by the Federal Department of Foreign Affairs (FDFA) after having made a booking.
• Severe pregnancy complications of insured person or accompanying traveller.
• Unforeseen events along the planned travel route. 
• Unforeseen breakdown or accident in a car or taxi.
• Unforeseen cancellation or disruption to public transport due to strikes, bad weather, mechanical faults or accidents.
• Theft of an insured person’s travel documents.
• If a business meeting that was the main reason for the trip has to be cancelled or rescheduled.

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:

• Spouse or partners, including their parents and children
• Parents
• Children, foster children and adopted children
• Siblings
• Parents-in-law, children-in-law, grandparents and grandchildren of the insured person

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:

• The sickness or accident events had already occurred at the time of booking or departure on the trip or it was obvious that they would occur.
• Events in connection with epidemics, pandemics and quarantines.
• Poor recovery.
• The trip was cancelled by the operator.

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

• Confirmation of booking
• Confirmation of cancellation
• Medical certificate etc.

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.

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 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:

• Mastercard Commercial Card Gold

The insurance policy applies worldwide as well as in Switzerland.

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.

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:

• The sickness or accident events had already occurred at the time of booking or departure on the trip or it was obvious that they would occur.
• Events in connection with epidemics, pandemics and quarantines.
• Poor recovery.
• The trip was cancelled by the operator.

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.

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.

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.

The following conditions must be met in order for insurance cover to be provided:

• The trip is interrupted, extended or cut short due to an insured event.
• The duration of the business trip is no longer than 120 days.
• At least 50% of the travel costs were paid for using a Viseca Commercial Gold credit card.

The following maximum insured amount applies per event and per person:

• CHF 10,000: Mastercard Commercial Card Gold

No excess applies.

The following are classed as insured events:

• Severe illness, accident or death of the insured person, of persons related to the insured person or of the insured person’s workplace deputy.
• Loss of an insured person’s employment through no fault of the insured person after having made a booking.
• Damage to property at an insured person’s place of residence.
• Severe pregnancy complications of insured person or accompanying traveller.
• Unforeseen events along the planned travel route. 
• Unforeseen breakdown or accident in a car or taxi.
• Unforeseen cancellation or disruption to public transport due to strikes, bad weather, mechanical faults or accidents.
• Theft of an insured person’s travel documents.
• If a business meeting that was the main reason for the trip has to be cancelled or rescheduled.

A related person is classed as:

• Spouse or partners, including their parents and children
• Parents
• Children, foster children and adopted children
• Siblings
• Parents-in-law, children-in-law, grandparents and grandchildren of the insured person

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 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:

• Confirmation of booking
• Confirmation of cancellation/rebooking
• Medical certificate etc.

If you have any questions, call the insurer on +41 22 939 22 11 or email travel@europ-assistance.ch.

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:

• Return journey, repatriation or transfer to a suitable hospital
• Medical costs incurred abroad (after any costs covered by medical or accident insurance) 
• Follow-up costs for treatment in country of residence 
• Search and rescue costs

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, 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:

• A medical emergency occurs during the trip.
• The insured person is resident in Switzerland.
• The duration of the business trip is no longer than 120 days.
• The insurer was contacted immediately and the insurer approved the measures taken.

The following maximum insured amounts apply per event and per person for Mastercard Commercial Card Gold:

• Return journey and repatriation: unlimited for cardholders who are resident in Switzerland.
• Medical costs incurred abroad: CHF 500,000 for cardholders who are resident in Switzerland. 
• Follow-up costs for treatment in country of residence: CHF 50,000
• Search and rescue costs: CHF 60,000

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 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:

• Mastercard Commercial Card Gold

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.

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:

• Spouse or partners, including their parents and children
• Parents
• Children, foster children and adopted children
• Siblings
• Parents-in-law, children-in-law, grandparents and grandchildren of the insured person

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.

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.

The following are excluded from the insurance cover, among other things:

• The sickness or accident events had already occurred at the time of booking or departure on the trip or it was obvious that they would occur.
• Measures have been taken or costs have been incurred that were not prescribed or approved.
• Costs in connection with an excess/deductible of the health insurer or any other type of benefits institution.
• Costs of visual aids, medical aids and prostheses.
• Trips for the purpose of medical treatment.
• Costs of care, telephone calls, time away from work and other such financial losses.

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:

• Confirmation of booking
• Invoice for treatment costs
• Statements from health/accident insurance company regarding sharing of costs

If you have any questions, call the insurer on +41 22 939 22 11 or email travel@europ-assistance.ch.

You can find the precise terms and conditions in the insurance conditions for company credit cards of Viseca Card Services SA.

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 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 luggage does not arrive within four hours of the insured person’s arrival at the destination (excluding their place of residence).
• The delay occurred during transport by a means of public transport.
• The duration of the business trip is no longer than 120 days.
• At least 50% of the travel costs were paid for using a Viseca Commercial Gold credit card.

The following maximum insured amounts apply per event and per person:

• CHF 5,000: Mastercard Commercial Card Gold

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:

• Mastercard Commercial Card Gold

The insurance policy applies worldwide as well as in Switzerland.

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.

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.

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.

The purpose of delayed luggage insurance is to give you the option of buying items you urgently need before your luggage arrives.

The following are excluded from the insurance cover, among other things:

• The arrival of luggage for the trip is delayed on the return journey to the insured person’s place of residence.
• Purchases were made after the delivery of the luggage.
• Delays due to confiscation of the luggage by the authorities.
• Delays and costs arising due to exceeding the baggage allowance on a flight.

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:

• Confirmation of booking
• Airline's claim log
• Purchase receipt/repair invoice

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.

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.

You can find the precise terms and conditions in the insurance conditions for company credit cards of Viseca Card Services SA.

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 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 luggage was damaged, destroyed, lost or stolen (with or without the use of threats or violence) during the journey.
• The duration of the business trip is no longer than 120 days.
• At least 50% of the travel costs were paid for using a Viseca Commercial Gold credit card.

The following maximum insured amounts apply per event and per person:

• CHF 5,000: Mastercard Commercial Card Gold

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:

• Mastercard Commercial Card Gold

The insurance policy applies worldwide as well as in Switzerland.

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.

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.

The following are excluded from the insurance cover, among other things:

• Valuable items and accessories if they are not being worn or used and which are not stored in a locked room that is not accessible to the public and kept under separate lock and key (suitcase, cupboard, safe).
• Electronic devices are limited to a maximum of CHF 2,500 per insured event. 
• Theft from a private or hired vehicle.
• Leaving behind or depositing items outside of the direct personal control of the insured person.
• Losses arising from the fact that items were forgotten, left unattended or misplaced.

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:

• Confirmation of booking
• Police report
• Purchase receipt

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.

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.

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.

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.

You can find the precise terms and conditions in the insurance conditions for company credit cards of Viseca Card Services SA.

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 conditions must be met in order for insurance cover to be provided:

• An excess incurred by the lessor is invoiced as a result of damage to the hired vehicle.
• At least 50% of the costs for the hired vehicle were paid for using a Viseca Commercial Gold credit card.

The following maximum insured amount applies per event:

• CHF 10,000: Mastercard Commercial Card Gold

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:

• Mastercard Commercial Card Gold

The insurance policy applies worldwide as well as in Switzerland.

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.

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.

The excess is the amount that must be paid by the lessee of a vehicle themselves in the event of a claim.

The following are excluded from the insurance cover, among other things:

• Damage for which there is no excess in the rental contract or the lessor’s insurance policy. 
• Damage incurred when the vehicle was being driven by a driver who was not permitted to drive the vehicle as per the terms of the rental agreement.

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:

• Confirmation of booking
• Car hire company’s claim log 

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.

You can find the precise terms and conditions in the insurance conditions for company credit cards of Viseca Card Services SA.

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:

• Electric household appliances: dishwashers, stoves, ovens, microwaves, fridges etc.
• Electronic entertainment devices: televisions, projectors, DVD/Blu-ray players, hi-fi equipment, MP3 players, cameras, video cameras, GPS devices etc.
• Electric communication devices: mobile phones, tablets, wearables, computer, notebook computers, printers, photocopiers, fax machines, scanners, external hard drives etc.
• Accessories to the devices in question (e.g. adapters, cables and transformers) 

The following conditions must be met in order for insurance cover to be provided:

• At least 50% of the costs for the insured device were paid for using a Viseca Commercial credit card.
• The insured device is no older than four years at the time of the claim.
• The insured device has an expired manufacturer warranty or retailer warranty.
• The insured device is intended for business purposes.
• The insured device was bought from a retailer whose registered office is in Switzerland or an EU/EEA country.
• The value of the item is at least CHF 100.

The following maximum insured amounts apply per event:

• CHF 2,000 (12-month extended warranty): Mastercard Commercial Card Silver
• CHF 5,000 (24-month extended warranty): Mastercard Commercial Card Gold

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 cards:

• Mastercard Commercial Card Silver
• Mastercard Commercial Card Gold

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:

• 12 months for Mastercard Commercial Silver
• 24 months for Mastercard Commercial Gold

The following are excluded from the insurance cover, among other things:

• Devices with no manufacturer or retailer warranty.
• All events resulting from use in contravention of the manufacturer’s specifications.
• All events resulting from external influences.
• Scratches, chips, scrapes and in general any damage to the housing of the insured item that does not impair its functionality.

Please send the following documents to travel@europ-assistance.ch as soon as possible:

• Purchase receipt
• Retailer’s warranty conditions
• Repair invoice or confirmation of total damage
• The serial number of the insured item
• The invoice for the insured item in legible form

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 item, device or service using a Viseca Commercial credit card to benefit from insurance cover.

You can find the precise terms and conditions in the insurance conditions for company credit cards of Viseca Card Services SA.

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 following conditions must be met in order for insurance cover to be provided:

• There has been a robbery, theft, 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 insured items within 30 days of purchase.
• At least 50% of the costs for the insured item were paid for using a Viseca Commercial credit card.
• The insured item is intended for business purposes.
• The value of the item is at least CHF 50.

The following maximum insured amounts apply per event:

• CHF 1,000: Mastercard Commercial Card Silver
• CHF 2,000: Mastercard Commercial Card Gold

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 cards:

• Mastercard Commercial Card Silver
• Mastercard Commercial Card Gold

The insurance policy applies worldwide as well as in Switzerland.

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.

The following are excluded from the insurance cover, among other things:

• Cash, cheques, traveller’s cheques, all other securities and tickets.
• Animals, plants and vehicles.
• Food.
• Jewellery and watches.
• Secondhand items.
• Normal wear and tear.
• Manufacturing or material defects.
• Mishandling.

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:

• Purchase receipt
• Repair invoice or confirmation of total damage
• Seller’s response to request for a refund
• In the event of theft/robbery: police report
• In the event of theft/robbery: statement from seller/supplier on delivery status. 

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 item, device or service using a Viseca Commercial credit card to benefit from insurance cover.

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.

You can find the precise terms and conditions in the insurance conditions for company credit cards of Viseca Card Services SA.

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. 

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 cards:

• Mastercard Commercial Card Silver
• Mastercard Commercial Card Gold

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: 

• Contract law 
• Employment law 
• Rental law 
• Insurance law 
• Compensation law 
• Criminal law

Please call the insurer on +41 22 939 22 11 or email travel@europ-assistance.ch.

You can find the precise terms and conditions in the insurance conditions for company credit cards of Viseca Card Services SA.

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 following conditions must be met in order for insurance cover to be provided:

• The physical item is intended for business purposes and at least 50% of its cost was paid for using a Viseca Commercial credit card. The value of the item is at least CHF 50 (excluding delivery or assembly costs). 
• The purchased service is intended for business purposes and at least 50% of its cost was paid for using the Viseca Commercial credit card. 

The following maximum insured amounts apply per event:

• CHF 10,000: Mastercard Commercial Card Silver
• CHF 20,000: Mastercard Commercial Card Gold

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 cards:

• Mastercard Commercial Card Silver
• Mastercard Commercial Card Gold

The insurance policy applies worldwide as well as in Switzerland.

The insurance covers the safeguarding of legal interests in the event of disputes arising from contracts of sale or services under private law.

The following are excluded from the insurance cover, among other things:

• Disputes in connection with legal transactions in the financial sector (in particular, bank, stock market, futures, financial, investment and speculative transactions) and with the investment and management of assets. 
• Disputes arising from client relationships with lawyers, tax advisors, notaries, fiduciaries, trustees, accountants and auditors. 
• Legal cases that were brought, known of or could have been known of before the insurance policy came into force. 

Please send the documents relevant to the case to travel@europ-assistance.ch as soon as possible:

• Purchase receipt
• Statement from seller
• Any other documents relevant to the case

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 item, device or service using a Viseca Commercial credit card to benefit from insurance cover.

You can find the precise terms and conditions in the insurance conditions for company credit cards of Viseca Card Services SA.

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 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 duration of the business trip is no longer than 120 days.
• At least 50% of the travel costs were paid for using a Viseca Commercial credit card.

The following maximum insured amount applies per event and per person:

• CHF 20,000: Mastercard Commercial Card Gold

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:

• Mastercard Commercial Card Gold

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:

• Contract law: Disputes as the lessee of a vehicle, arising from contracts of transport and carriage, arising from repair contracts of the vehicle driven by the insured person during the trip, and arising from package travel contracts, accommodation contracts and guest contracts.
• Compensation law: Asserting statutory, non-contractual liability claims, provided no contractual relationship exists under private or public law. 
• Criminal law: Defence in criminal proceedings against the insured person based on an accusation of negligent violation of statutory provisions of the Swiss Criminal Code or Swiss Road Traffic Act. 
• Insurance law: Disputes involving insurance policies under private or public law.
• Victim support law: Claiming compensation and damages under the Swiss Victim Support Act.

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.

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.

The following are excluded from the insurance cover, among other things:

• Fines, contractual penalties and other payments of a punitive nature issued against the insured person. 
• Damages payments of any kind.
• Legal cases that were brought, known of or could have been known of before the insurance policy came into force. 

Please send the documents relevant to the case to travel@europ-assistance.ch as soon as possible:

• Confirmation of booking
• Claim log 
• Any other documents relevant to the case

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.

You can find the precise terms and conditions in the insurance conditions for company credit cards of Viseca Card Services SA.

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.

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 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:

• Mastercard Commercial Card Gold

The insurance policy applies worldwide as well as in Switzerland.

Please send the following documents to travel@europ-assistance.ch as soon as possible:

• In the case of advances on costs or cash advances: police report, report or statement of claim or court documents

If you have any questions, call the insurer on +41 22 939 22 11 or email travel@europ-assistance.ch.

You can find the precise terms and conditions in the insurance conditions for company credit cards of Viseca Card Services SA.