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Hacked e-banking: does cyber insurance pay?

add-on Varies by insurer

A hacker triggers payments from e-banking. Of 9 business products read: 4 add-on, 1 limited, 1 not covered, 3 no information.

Add-on at AXA (with 2FA), Mobiliar, Zurich (Cyber-Crime); Helvetia in the basic cover with sub-limit; Sunrise excluded.

As of

AmukI read 9 business products. 0 of them cover this module without an add-on.
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  2. In industries

9 answers on the shelf

Each jar is a business product whose terms we read.

9 answers: 4 add-on, 1 limited, 1 not covered, 3 no information AXA, SME insurance, cyber insurance module (same content: «Cyberversicherung Unternehmen»): add-onMobiliar, Cyber insurance for companies (first-party loss, third-party loss, assistance, IT Assistance, legal protection): add-onZurich, Zurich Cyberversicherung (variants Basic, Optimum, Premium): add-onChubb, Cyber Enterprise Risk Management (Cyber ERM) V2.2: add-onHelvetia, Helvetia Cyber-Versicherung – KMU-Spezial (variants ECO, SMART, TOP): limitedSunrise (AXA), Business Cyber Insurance (option for KMU SecureConnect, Sunrise Ethernet and others): not coveredAllianz Suisse, Cyber Risk Versicherung: no informationVaudoise, Additional cover «Cyber and data protection» to the Business One contents and business liability insurance: no informationAIG, CyberEdge: no information
  • add-on4
  • limited1
  • not covered1
  • no information3

  • AXA

    SME insurance, cyber insurance module (same content: «Cyberversicherung Unternehmen»)

    add-on

    Condition and source

    Additional cover «Manipulation des E-Bankings, Webshops, Warenversands». Requirement: the bank’s most secure method, at least two-factor authentication.

    AXA Versicherungen AG, Ausgabe 06.2024 (16381DE – 2024-06), Ziff. A4.1.1, S. 9 · Open document

  • Sunrise (AXA)

    Business Cyber Insurance (option for KMU SecureConnect, Sunrise Ethernet and others)

    not covered

    Condition and source

    Losses in connection with e-banking excluded; no additional cover.

    AXA Versicherungen AG / Sunrise GmbH, Ausgabe 05.2026 (Datei «vsept26»), Teil C, Allgemeine Ausschlüsse, S. 16 · Open document

  • Mobiliar

    Cyber insurance for companies (first-party loss, third-party loss, assistance, IT Assistance, legal protection)

    add-on

    Condition and source

    Add-on «Misuse of digital payment systems»: loss of own means of payment. Not in the case of deception about identity or by an authorised person of the policyholder.

    Schweizerische Mobiliar Versicherungsgesellschaft AG, Ausgabe 01.2024, Ziff. B7.2, S. 16 · Open document

  • Zurich

    Zurich Cyberversicherung (variants Basic, Optimum, Premium)

    add-on

    Condition and source

    Module F «Cyber-Diebstahl inkl. E-Banking-Hacking» (cyber crime), also in the case of unintentional assistance by an employee.

    Zürich Versicherungs-Gesellschaft AG, Ausgabe 01/2024 (ZH9513d-2402), Art. 603, S. 14 · Open document

  • Helvetia

    Helvetia Cyber-Versicherung – KMU-Spezial (variants ECO, SMART, TOP)

    limited Sublimit CHF 30'000

    Condition and source

    Hacked online banking in the same module and with the same sub-limit.

    Helvetia Schweizerische Versicherungsgesellschaft AG, Ausgabe Juni 2026 (Dokument 01.07.2026, CH00TLV), Ziff. 3.3.1.8 lit. b, S. 12 · Open document

  • Allianz Suisse

    Cyber Risk Versicherung

    no information

    Condition and source

    GTC not public, no information found.

    Terms not public, quote via BTAG.

    Allianz Suisse Versicherungs-Gesellschaft AG, abgerufen 06.11.2026 · Open document

  • Vaudoise

    Additional cover «Cyber and data protection» to the Business One contents and business liability insurance

    no information

    Condition and source

    Cyber GTC not public, no information found.

    Terms not public, quote via BTAG.

    Vaudoise Allgemeine Versicherungs-Gesellschaft AG, abgerufen 06.11.2026 · Open document

  • Chubb

    Cyber Enterprise Risk Management (Cyber ERM) V2.2

    add-on

    Condition and source

    Extension Cyber Crime (theft of money through unauthorised access).

    Terms not public, quote via BTAG.

    Chubb European Group SE, 01/2022, 2.3 · Open document

  • AIG

    CyberEdge

    no information

    Condition and source

    GTC not public.

    Terms not public, quote via BTAG.

    AIG Europe S.A., Zweigniederlassung Opfikon, geändert 20.08.2026 · Open document

6 insurers without a business product we read

Overview based on public policy terms, as of 06.11.2026. Only your policy and its general terms and conditions (GTC) are binding. No confirmation of cover.

Where this module comes into play

In 5 scenarios from 5 industries, a cost item concerns this module.

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