Online account protection

The insurance covers the cardholder (primary, second, additional and partner cards), their spouse or partner or registered partner living in the same household and children under the age of 25 who are entitled to support, provided they live in the same household or are resident in Switzerland.

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• Visa Platinum

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• Account, card or mobile device must belong to the insured person.
• A financial loss has occurred due to the theft of personal access data or unlawful access to, or misuse of, means of payment and mobile devices belonging to the insured person.

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The following maximum insured sum applies per event and per person:
- CHF 20 000: Visa Platinum.

There is no policy excess.

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The insurance is included in the annual fee of your Viseca Card and does not incur any additional costs.

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Coverage applies worldwide as well as in Switzerland.

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The insurance covers financial loss caused by third parties as a result of:

• unlawful access to a private Swiss postal/bank or fintech account
• misuse of a payment function (e.g. physical or virtual cards)
• misuse of a mobile device (e.g. smartphone or tablet) resulting from the theft of personal access data.

Misuse is when the third party is neither entitled to perform the action nor commissioned or authorised to do so by the insured person.

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Exclusions from the insurance cover include the following:

• The insured person has allowed the time period for reviewing and identifying an unauthorised payment to lapse without taking any action during that time.
• Damage resulting from failure by the insured person to notify the relevant company (e.g. credit card company, mobile phone network provider) immediately.
• Losses arising indirectly from misuse, e.g. lost profit or loss of interest.
• Losses for which a liable company (account-holding financial institution, card contracting partner or network provider) has not abrogated liability in writing.
• Damage arising as a result of cards, mobile devices, identification or legitimation data, etc. being stolen or coming into the possession of, or to the knowledge of, a third party prior to the inception of insurance cover.

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In the event of a claim, you are obliged to limit the damage or loss as much as possible. Please inform the police and the relevant financial institution immediately. Obtain a police report and a written declaration on compensation for financial losses from the financial institution concerned.

Send the claim form and the following documents to the insurer as soon as possible:

• Police report 
• Evidence of compensation from the financial institution concerned
• Account/card statements showing the improper charges

If you have any questions, contact the insurer by phone on +41 44 283 38 05.

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The exact conditions can be found in the Conditions of Insurance for Viseca Card Services SA payment cards (private cards)

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