Search I’ve been hacked Advice Menu
I’ve been hacked
For me Overview: For me
For businesses Overview: For businesses
Costs and comparison Overview: Costs and comparison
Swiss threat landscape Overview: Swiss threat landscape

What does Allianz Suisse cover?

Allianz Suisse (Insurer): we read 1 business product and 1 private product.

As of

On this page
  1. For businesses
  2. For private customers

For businesses

Cyber Risk Versicherung

Allianz Suisse

Policy terms: abgerufen 06.11.2026

no public priceTerms not public, quote via BTAG

  • Immediate help in an emergency unclear

    The product page names forensics, information costs, crisis communication; GTC not public.

  • Restore data and systems unclear

    According to the product page, data restoration; GTC not public.

  • Replace unusable devices no information

    GTC not public, no information found.

  • Loss of income after an attack unclear

    According to the product page, indemnity period 24 months; waiting period not found.

  • Outage at the IT provider no information

    GTC not public, no information found.

  • Outage due to operating error no information

    GTC not public, no information found.

  • Cyber extortion unclear

    The product page names «cyber extortion»; whether ransom is paid was not found.

  • Third-party claims after a data breach unclear

    According to the product page, data protection and data loss liability.

  • Proceedings before authorities unclear

    The product page names data protection proceedings.

  • Inform affected people no information

    GTC not public, no information found.

  • Fraud with fake instructions add-on

    According to the product page, only optional (CEO fraud, payment redirection).

  • Hacked e-banking no information

    GTC not public, no information found.

  • Phone hacking and extra costs no information

    GTC not public, no information found.

  • Property damage caused by an attack no information

    GTC not public, no information found.

  • Reputational damage no information

    GTC not public, no information found.

  • Card industry penalties unclear

    The product page names «e-payment/contractual penalties».

  • Media liability no information

    GTC not public, no information found.

Key facts and terms
Price
no public price
For whom
SMEs up to CHF 50 million revenue (as at launch in 2017)
Sums insured
not stated
Deductible
not stated
Waiting period for loss of income
not stated
Indemnity period
24 months
Territorial scope
not found
Policy terms
Terms not public, quote via BTAG

Source for target group: Moneycab 28.04.2017 (press).

Price: Advice request only. The low-cost «Online- und Kaufschutzbrief» (from CHF 41.90/year) is a product for private customers.

Gross negligence: not found (GTC not public)

Where does it say so? (gross negligence)

Cyber Risk Versicherung (Produktseite), abgerufen 06.11.2026

Open document: Cyber Risk Versicherung (Produktseite) (opens in a new window), retrieved 06.11.2026

All values as a table
What Allianz Suisse covers in “Cyber Risk Versicherung”
ModuleStatusLimitWhat appliesSource
Immediate help in an emergency unclear not stated The product page names forensics, information costs, crisis communication; GTC not public.
Where does it say so? (Immediate help in an emergency)

Cyber Risk Versicherung (Produktseite), abgerufen 06.11.2026

Open document: Cyber Risk Versicherung (Produktseite) (opens in a new window), retrieved 06.11.2026
Restore data and systems unclear not stated According to the product page, data restoration; GTC not public.
Where does it say so? (Restore data and systems)

Cyber Risk Versicherung (Produktseite), abgerufen 06.11.2026

Open document: Cyber Risk Versicherung (Produktseite) (opens in a new window), retrieved 06.11.2026
Replace unusable devices no information not stated GTC not public, no information found.
Where does it say so? (Replace unusable devices)

Cyber Risk Versicherung (Produktseite), abgerufen 06.11.2026

Open document: Cyber Risk Versicherung (Produktseite) (opens in a new window), retrieved 06.11.2026
Loss of income after an attack unclear not stated According to the product page, indemnity period 24 months; waiting period not found.
Where does it say so? (Loss of income after an attack)

Cyber Risk Versicherung (Produktseite), abgerufen 06.11.2026

Open document: Cyber Risk Versicherung (Produktseite) (opens in a new window), retrieved 06.11.2026
Outage at the IT provider no information not stated GTC not public, no information found.
Where does it say so? (Outage at the IT provider)

Cyber Risk Versicherung (Produktseite), abgerufen 06.11.2026

Open document: Cyber Risk Versicherung (Produktseite) (opens in a new window), retrieved 06.11.2026
Outage due to operating error no information not stated GTC not public, no information found.
Where does it say so? (Outage due to operating error)

Cyber Risk Versicherung (Produktseite), abgerufen 06.11.2026

Open document: Cyber Risk Versicherung (Produktseite) (opens in a new window), retrieved 06.11.2026
Cyber extortion unclear not stated The product page names «cyber extortion»; whether ransom is paid was not found.
Where does it say so? (Cyber extortion)

Cyber Risk Versicherung (Produktseite), abgerufen 06.11.2026

Open document: Cyber Risk Versicherung (Produktseite) (opens in a new window), retrieved 06.11.2026
Third-party claims after a data breach unclear not stated According to the product page, data protection and data loss liability.
Where does it say so? (Third-party claims after a data breach)

Cyber Risk Versicherung (Produktseite), abgerufen 06.11.2026

Open document: Cyber Risk Versicherung (Produktseite) (opens in a new window), retrieved 06.11.2026
Proceedings before authorities unclear not stated The product page names data protection proceedings.
Where does it say so? (Proceedings before authorities)

Cyber Risk Versicherung (Produktseite), abgerufen 06.11.2026

Open document: Cyber Risk Versicherung (Produktseite) (opens in a new window), retrieved 06.11.2026
Inform affected people no information not stated GTC not public, no information found.
Where does it say so? (Inform affected people)

Cyber Risk Versicherung (Produktseite), abgerufen 06.11.2026

Open document: Cyber Risk Versicherung (Produktseite) (opens in a new window), retrieved 06.11.2026
Fraud with fake instructions add-on not stated According to the product page, only optional (CEO fraud, payment redirection).
Where does it say so? (Fraud with fake instructions)

Cyber Risk Versicherung (Produktseite), abgerufen 06.11.2026

Open document: Cyber Risk Versicherung (Produktseite) (opens in a new window), retrieved 06.11.2026
Hacked e-banking no information not stated GTC not public, no information found.
Where does it say so? (Hacked e-banking)

Cyber Risk Versicherung (Produktseite), abgerufen 06.11.2026

Open document: Cyber Risk Versicherung (Produktseite) (opens in a new window), retrieved 06.11.2026
Phone hacking and extra costs no information not stated GTC not public, no information found.
Where does it say so? (Phone hacking and extra costs)

Cyber Risk Versicherung (Produktseite), abgerufen 06.11.2026

Open document: Cyber Risk Versicherung (Produktseite) (opens in a new window), retrieved 06.11.2026
Property damage caused by an attack no information not stated GTC not public, no information found.
Where does it say so? (Property damage caused by an attack)

Cyber Risk Versicherung (Produktseite), abgerufen 06.11.2026

Open document: Cyber Risk Versicherung (Produktseite) (opens in a new window), retrieved 06.11.2026
Reputational damage no information not stated GTC not public, no information found.
Where does it say so? (Reputational damage)

Cyber Risk Versicherung (Produktseite), abgerufen 06.11.2026

Open document: Cyber Risk Versicherung (Produktseite) (opens in a new window), retrieved 06.11.2026
Card industry penalties unclear not stated The product page names «e-payment/contractual penalties».
Where does it say so? (Card industry penalties)

Cyber Risk Versicherung (Produktseite), abgerufen 06.11.2026

Open document: Cyber Risk Versicherung (Produktseite) (opens in a new window), retrieved 06.11.2026
Media liability no information not stated GTC not public, no information found.
Where does it say so? (Media liability)

Cyber Risk Versicherung (Produktseite), abgerufen 06.11.2026

Open document: Cyber Risk Versicherung (Produktseite) (opens in a new window), retrieved 06.11.2026

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.

For private customers

Online- und Kaufschutzbrief (cyber protection)

Allianz Suisse

Policy terms: Ausgabe 03.2025

from CHF 41.90

  • Misuse of card, Twint, e-banking limited

    Limit CHF 20'000. Account protection: financial losses through misuse of accounts (CH, FL, border area 50 km) and cards by third parties, including online banking, card numbers on the internet, cash withdrawals; plus blocking and replacement fees. Only to the extent that the bank has refused in writing. Not: caused by gross negligence, reporting/review deadline missed, mass attack on the financial institution, avoidable through updates. Police report mandatory.

  • Online purchase covered

    Limit CHF 20'000. Purchase protection: non-delivery and wrong delivery (false description) for internet orders, loss in transit, damage (48 hours); up to CHF 20'000 per event and year. Not: cash, securities, food, animals, motor vehicles; jewellery/watches restricted. Report within 72 hours in the event of damage.

  • Online sale no information

    Not regulated in the conditions.

  • Identity theft limited

    Limit CHF 20'000. Legal protection (CAP) up to CHF 20'000 for damages in the event of identity misuse on the internet and for the criminal proceedings; compensation of the loss only via the account protection.

  • Cyberbullying and defamation covered

    Limit CHF 20'000. Legal protection up to CHF 20'000; technical support (deletion, suppression) up to CHF 20'000; psychological support including relocation up to CHF 3'000. Condition: criminal complaint; not by ex-partners, not print media.

  • Data recovery covered

    Limit CHF 5'000. Data Recovery for viruses/malware and technical defects for mobile phone, tablet, notebook, PC: analysis, removal of malware, data recovery; 2 events per year, CHF 5'000 each.

  • Extortion unclear

    Limit CHF 5'000. Extortion and ransom are not regulated; removal of malware is possible via Data Recovery.

  • Hacked accounts unclear

    Limit CHF 20'000. Takeover of social media or mail accounts is not regulated; legal protection possible in the event of identity misuse on the internet.

  • Internet legal protection limited

    Limit CHF 20'000. CAP legal protection only for violations of personality rights and identity misuse on the internet; a dispute arising from an online purchase is not part of the legal protection.

  • Liability on the internet no information

    Not regulated in the conditions.

  • Smart home no information

    Not regulated in the conditions.

  • IT help without a loss no information

    Not regulated in the conditions.

Key facts and terms
Price
from CHF 41.90
Type
Add-on to household contents insurance
Deductible
none

«from CHF 41.90 per year» for an individual without youth discount, including stamp duty; 20% discount for new contracts under 30 (product page). Multi-person insurance only via the calculator. According to the product page, a supplement to household contents insurance, but it «also works quite well on its own».

Exclusions (6)

Exclusions

All values as a table
What Allianz Suisse covers in “Online- und Kaufschutzbrief (cyber protection)”
ModuleStatusLimitWhat appliesSource
Misuse of card, Twint, e-banking limited CHF 20'000 Account protection: financial losses through misuse of accounts (CH, FL, border area 50 km) and cards by third parties, including online banking, card numbers on the internet, cash withdrawals; plus blocking and replacement fees. Only to the extent that the bank has refused in writing. Not: caused by gross negligence, reporting/review deadline missed, mass attack on the financial institution, avoidable through updates. Police report mandatory.
Where does it say so? (Misuse of card, Twint, e-banking)

Allgemeine Bedingungen (AB) für die Kombi-Haushaltversicherung (B3 Online- und Kaufschutzbrief), Ausgabe 03.2025, Ziff. B3.5.2 lit. d, PDF-S. 9

«soweit das kontoführende Geldinstitut, der Kartenvertragspartner, bzw. der Anbieter anderer Bezahlsysteme es schriftlich abgelehnt hat»

Open document: Allgemeine Bedingungen (AB) für die Kombi-Haushaltversicherung (B3 Online- und Kaufschutzbrief) (opens in a new window), retrieved 06.11.2026
Online purchase covered CHF 20'000 Purchase protection: non-delivery and wrong delivery (false description) for internet orders, loss in transit, damage (48 hours); up to CHF 20'000 per event and year. Not: cash, securities, food, animals, motor vehicles; jewellery/watches restricted. Report within 72 hours in the event of damage.
Where does it say so? (Online purchase)

Allgemeine Bedingungen (AB) für die Kombi-Haushaltversicherung (B3 Online- und Kaufschutzbrief), Ausgabe 03.2025, Ziff. B3.3.3 lit. c, PDF-S. 8

«die Nichtlieferung der Kaufsache durch den Verkäufer bei Bestellungen im Internet»

Open document: Allgemeine Bedingungen (AB) für die Kombi-Haushaltversicherung (B3 Online- und Kaufschutzbrief) (opens in a new window), retrieved 06.11.2026
Online sale no information not stated Not regulated in the conditions.
Where does it say so? (Online sale)

Allgemeine Bedingungen (AB) für die Kombi-Haushaltversicherung (B3 Online- und Kaufschutzbrief), Ausgabe 03.2025, ganzes Dokument durchsucht

Open document: Allgemeine Bedingungen (AB) für die Kombi-Haushaltversicherung (B3 Online- und Kaufschutzbrief) (opens in a new window), retrieved 06.11.2026
Identity theft limited CHF 20'000 Legal protection (CAP) up to CHF 20'000 for damages in the event of identity misuse on the internet and for the criminal proceedings; compensation of the loss only via the account protection.
Where does it say so? (Identity theft)

Allgemeine Bedingungen (AB) für die Kombi-Haushaltversicherung (B3 Online- und Kaufschutzbrief), Ausgabe 03.2025, Ziff. B3.6.1, PDF-S. 10

«missbräuchlichen Nutzung personenbezogener Daten»

Open document: Allgemeine Bedingungen (AB) für die Kombi-Haushaltversicherung (B3 Online- und Kaufschutzbrief) (opens in a new window), retrieved 06.11.2026
Cyberbullying and defamation covered CHF 20'000 Legal protection up to CHF 20'000; technical support (deletion, suppression) up to CHF 20'000; psychological support including relocation up to CHF 3'000. Condition: criminal complaint; not by ex-partners, not print media.
Where does it say so? (Cyberbullying and defamation)

Allgemeine Bedingungen (AB) für die Kombi-Haushaltversicherung (B3 Online- und Kaufschutzbrief), Ausgabe 03.2025, Ziff. B3.7.3, PDF-S. 12

«für den technischen Support auf CHF 20'000 und für den psychologischen Support auf CHF 3’000»

Open document: Allgemeine Bedingungen (AB) für die Kombi-Haushaltversicherung (B3 Online- und Kaufschutzbrief) (opens in a new window), retrieved 06.11.2026
Data recovery covered CHF 5'000 Data Recovery for viruses/malware and technical defects for mobile phone, tablet, notebook, PC: analysis, removal of malware, data recovery; 2 events per year, CHF 5'000 each.
Where does it say so? (Data recovery)

Allgemeine Bedingungen (AB) für die Kombi-Haushaltversicherung (B3 Online- und Kaufschutzbrief), Ausgabe 03.2025, Ziff. B3.8.4, PDF-S. 12

«Die Leistung ist auf 2 Ereignisse pro Versicherungsperiode und CHF 5'000 pro Ereignis begrenzt.»

Open document: Allgemeine Bedingungen (AB) für die Kombi-Haushaltversicherung (B3 Online- und Kaufschutzbrief) (opens in a new window), retrieved 06.11.2026
Extortion unclear CHF 5'000 Extortion and ransom are not regulated; removal of malware is possible via Data Recovery.
Where does it say so? (Extortion)

Allgemeine Bedingungen (AB) für die Kombi-Haushaltversicherung (B3 Online- und Kaufschutzbrief), Ausgabe 03.2025, Ziff. B3.8.1, PDF-S. 12

«Befall mit schädlichen Viren oder Malware Programmen»

Open document: Allgemeine Bedingungen (AB) für die Kombi-Haushaltversicherung (B3 Online- und Kaufschutzbrief) (opens in a new window), retrieved 06.11.2026
Hacked accounts unclear CHF 20'000 Takeover of social media or mail accounts is not regulated; legal protection possible in the event of identity misuse on the internet.
Where does it say so? (Hacked accounts)

Allgemeine Bedingungen (AB) für die Kombi-Haushaltversicherung (B3 Online- und Kaufschutzbrief), Ausgabe 03.2025, Ziff. B3.6.1, PDF-S. 10

«missbräuchlichen Nutzung personenbezogener Daten»

Open document: Allgemeine Bedingungen (AB) für die Kombi-Haushaltversicherung (B3 Online- und Kaufschutzbrief) (opens in a new window), retrieved 06.11.2026
Internet legal protection limited CHF 20'000 CAP legal protection only for violations of personality rights and identity misuse on the internet; a dispute arising from an online purchase is not part of the legal protection.
Where does it say so? (Internet legal protection)

Allgemeine Bedingungen (AB) für die Kombi-Haushaltversicherung (B3 Online- und Kaufschutzbrief), Ausgabe 03.2025, Ziff. B3.6.3, PDF-S. 11

«bis zur maximalen Versicherungssumme von CHF 20'000»

Open document: Allgemeine Bedingungen (AB) für die Kombi-Haushaltversicherung (B3 Online- und Kaufschutzbrief) (opens in a new window), retrieved 06.11.2026
Liability on the internet no information not stated Not regulated in the conditions.
Where does it say so? (Liability on the internet)

Allgemeine Bedingungen (AB) für die Kombi-Haushaltversicherung (B3 Online- und Kaufschutzbrief), Ausgabe 03.2025, ganzes Dokument durchsucht

Open document: Allgemeine Bedingungen (AB) für die Kombi-Haushaltversicherung (B3 Online- und Kaufschutzbrief) (opens in a new window), retrieved 06.11.2026
Smart home no information not stated Not regulated in the conditions.
Where does it say so? (Smart home)

Allgemeine Bedingungen (AB) für die Kombi-Haushaltversicherung (B3 Online- und Kaufschutzbrief), Ausgabe 03.2025, ganzes Dokument durchsucht

Open document: Allgemeine Bedingungen (AB) für die Kombi-Haushaltversicherung (B3 Online- und Kaufschutzbrief) (opens in a new window), retrieved 06.11.2026
IT help without a loss no information not stated Not regulated in the conditions.
Where does it say so? (IT help without a loss)

Allgemeine Bedingungen (AB) für die Kombi-Haushaltversicherung (B3 Online- und Kaufschutzbrief), Ausgabe 03.2025, ganzes Dokument durchsucht

Open document: Allgemeine Bedingungen (AB) für die Kombi-Haushaltversicherung (B3 Online- und Kaufschutzbrief) (opens in a new window), retrieved 06.11.2026

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.

Three ways forward