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smile.travel premium

Cancellations & interruptions
Medical costs

General

General information:

The risk carrier is Helvetia.
Additional to cancellation cost and personal assistance insurance, a medical cost insurance is included.
Only for persons resident in Switzerland.

Termination of contract:

The insurance is extended automatically each year if it is not cancelled at least 1 month before it ends.

Trip cancellation individual, maximum amount:

CHF 20,000

Trip cancellation family, maximum amount:

CHF 50,000

Search and rescue operations, maximum amount:

CHF 10,000

Insurance rate (comments):

Stamp taxes and 10% online discount included.

Premiums for individuals:

Cancellation costs: CHF 147.00
Travel assistance: CHF 147.00
Cancellation & assistance (combined): CHF 147.00
With addition of medical expenses: CHF 147.00

Premiums for families:

Cancellation costs: CHF 247.00
Travel assistance: CHF 247.00
Cancellation & assistance (combined): CHF 247.00
With addition of medical expenses: CHF 247.00

Premiums for young persons:

Cancellation costs: CHF 147.00
Travel assistance: CHF 147.00
Cancellation & assistance (combined): CHF 147.00
With addition of medical expenses: CHF 147.00

Trip cancellation insurance (comments):

Worldwide coverage.
Deductible of 10 percent for the amount above CHF 10,000 (for families: 20 percent above CHF 20,000).
In the event of theft of personal documents or termination of employment or taking up employment: Limitation of benefits to CHF 10,000 per event and person (CHF 20,000 for families).
Additional costs caused by delayed departure are covered up to CHF 3000 per person.

Trip cancellation: insured events:

Accident, illness & death, Pregnancy, Strike, Damage to property at home, Job lost, Breakdown of transport, Epidemics, New job, Risks at destination, Deputy at work, Pet illness or death

Trip cancellation: insured services:

Cancellation costs, Administration fees, Event ticket compensation, Replacement trip compensation

Trip assistance (comments):

SOS assistance: worldwide coverage. With airline insolvency protection, worldwide medical and hospital expenses, dog and cat insurance, air accident insurance, volcano insurance.

Trip assistance: insured events:

Accident, illness & death, Deputy at work, Pet illness or death, Damage to property at home, Epidemics, Natural hazards, Volcanic eruptions / earthquakes, Wars & tumults, Breakdown of transport, Theft of personal documents

Travel assistance: insured services:

Search & rescue costs, Repatriation costs, Accomodation & catering costs, Trip interruption compensation, Replacement trip compensation, Event ticket compensation

Additional assistance services:

24 h hotline, Compensation for event tickets, Home care, Account freezing services, Mobile phone barring services, Emergency cash advances

Vehicle assistance:

Not included in the insurance.

Accomodation & catering:

Additional costs such as accommodation and catering abroad, up to a maximum of CHF 700 per person (using a rental car up to CHF 1000, no matter how many people use the rental car).

Interruption and replacement:

If a serious illness or accident forces the insurance holder to abandon the trip, a replacement trip worth up to CHF 5000 (CHF 10,000 for families) is covered. The proportional costs of the unused travel arrangement are covered up to CHF 10,000 per person (families: CHF 20,000 per booking).

Luggage:

Luggage (with the exception of valuable items) is insured up to a maximum of CHF 1000 per person (maximum CHF 4000 per trip) against loss, damage or delay, if it is with a transport company.

Travel legal protection:

Not included in the insurance.

Medical expenses:

Worldwide coverage (with the exception of Switzerland) up to a maximum of CHF 20,000 per person.
For people who have not yet reached their 80th birthday.