BaloiseCombi Haushalt, security module Protection – Cyber (F2.1)
Baloise
Policy terms: Ausgabe 2025
no public price
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Misuse of card, Twint, e-banking limited
Limit CHF 20'000. Misuse of credit, debit, customer or SIM cards and misuse of data in private financial and online transactions (online and mobile banking): legal costs against perpetrators and compensation of the loss up to CHF 20'000 per event. Subsidiary: first the bank or third parties; cash, e-money and crypto excluded.
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Online purchase covered
Limit CHF 20'000. Non-conforming performance of purchase and service contracts concluded online; at most the price paid is compensated. First demand performance or damages from the seller in writing; subsidiary, against assignment of the claim.
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Online sale no information
Not regulated in the conditions.
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Identity theft limited
Limit CHF 20'000. Identity theft as a violation of personality rights (psychological support/relocation up to CHF 3'000 on a specialist doctor’s recommendation) and deletion/modification of data up to CHF 20'000 if there is data misuse.
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Cyberbullying and defamation limited
Limit CHF 3'000. Intentional violation of personality rights using electronic media: psychological support and relocation up to CHF 3'000, only on the recommendation of a specialist in psychiatry; deletion only in the event of data misuse (up to CHF 20'000).
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Data recovery covered
Limit CHF 20'000. Removal of malware and restoration of the operating system (licence key required) as well as data recovery after a technical defect or damage, each up to CHF 20'000; no costs for re-entering data.
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Extortion limited
Limit CHF 20'000. Data recovery also for data encrypted by ransomware; extortion payments are excluded.
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Hacked accounts unclear
Limit CHF 20'000. Data misuse in online transactions is covered; the takeover of social media or mail accounts is not expressly named.
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Internet legal protection limited
Limit CHF 20'000. Costs of enforcing claims against perpetrators (card misuse) and for deletion/modification of data on the internet, within CHF 20'000 per event.
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Liability on the internet no information
Not regulated in the conditions.
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Smart home unclear
Limit CHF 20'000. Malware on an «electronic device» for private use is covered; smart home devices are not expressly named.
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IT help without a loss no information
Not regulated in the conditions.
Key facts and terms
- Price
- no public price
- Type
- Add-on to household contents insurance
- Deductible
- not stated
No price found: the Baloise product page redirects to the Helvetia page («Helvetia and Baloise are now one»). The conditions apply to existing Baloise policies; whether new contracts are still possible is open.
Exclusions (4)
Exclusions
- Subsidiary: first benefits of the contractual partner or third parties; if unrecoverable, against assignment.
Where does it say so? (exclusion)
BaloiseCombi Haushalt, Produktinformationen und Vertragsbedingungen (F2.1 Sicherheitsbaustein Protection – Cyber), Ausgabe 2025, F2.1.20, PDF-S. 49
«Schäden, zu deren Deckung Leistungen des Vertragspartners oder Dritter beansprucht werden können.»
Open document: BaloiseCombi Haushalt, Produktinformationen und Vertragsbedingungen (F2.1 Sicherheitsbaustein Protection – Cyber) (opens in a new window), retrieved 06.11.2026
- Cash, electronically stored money, cryptocurrencies.
Where does it say so? (exclusion)
BaloiseCombi Haushalt, Produktinformationen und Vertragsbedingungen (F2.1 Sicherheitsbaustein Protection – Cyber), Ausgabe 2025, F2.1.20, PDF-S. 49
«Kursschwankungen, Kryptowährungen»
Open document: BaloiseCombi Haushalt, Produktinformationen und Vertragsbedingungen (F2.1 Sicherheitsbaustein Protection – Cyber) (opens in a new window), retrieved 06.11.2026
- Payment of extortion money.
Where does it say so? (exclusion)
BaloiseCombi Haushalt, Produktinformationen und Vertragsbedingungen (F2.1 Sicherheitsbaustein Protection – Cyber), Ausgabe 2025, F2.1.20, PDF-S. 49
«Zahlung von Erpressungsgeldern»
Open document: BaloiseCombi Haushalt, Produktinformationen und Vertragsbedingungen (F2.1 Sicherheitsbaustein Protection – Cyber) (opens in a new window), retrieved 06.11.2026
- Losses caused by persons in the same household.
Where does it say so? (exclusion)
BaloiseCombi Haushalt, Produktinformationen und Vertragsbedingungen (F2.1 Sicherheitsbaustein Protection – Cyber), Ausgabe 2025, F2.1.20, PDF-S. 49
«Schäden, die durch Personen verursacht worden sind, die mit dem Versicherten in gemeinsamen Haushalt leben»
Open document: BaloiseCombi Haushalt, Produktinformationen und Vertragsbedingungen (F2.1 Sicherheitsbaustein Protection – Cyber) (opens in a new window), retrieved 06.11.2026
All values as a table
| Module | Status | Limit | What applies | Source |
|---|---|---|---|---|
| Misuse of card, Twint, e-banking | limited | CHF 20'000 | Misuse of credit, debit, customer or SIM cards and misuse of data in private financial and online transactions (online and mobile banking): legal costs against perpetrators and compensation of the loss up to CHF 20'000 per event. Subsidiary: first the bank or third parties; cash, e-money and crypto excluded. | Where does it say so? (Misuse of card, Twint, e-banking)BaloiseCombi Haushalt, Produktinformationen und Vertragsbedingungen (F2.1 Sicherheitsbaustein Protection – Cyber), Ausgabe 2025, F2.1.1, PDF-S. 48 «Ersatz des Schadens aus dem Kartenmissbrauch» Open document: BaloiseCombi Haushalt, Produktinformationen und Vertragsbedingungen (F2.1 Sicherheitsbaustein Protection – Cyber) (opens in a new window), retrieved 06.11.2026 |
| Online purchase | covered | CHF 20'000 | Non-conforming performance of purchase and service contracts concluded online; at most the price paid is compensated. First demand performance or damages from the seller in writing; subsidiary, against assignment of the claim. | Where does it say so? (Online purchase)BaloiseCombi Haushalt, Produktinformationen und Vertragsbedingungen (F2.1 Sicherheitsbaustein Protection – Cyber), Ausgabe 2025, F2.1.3, PDF-S. 48 «welche zu privaten Zwecken über das Internet abgeschlossen worden sind» Open document: BaloiseCombi Haushalt, Produktinformationen und Vertragsbedingungen (F2.1 Sicherheitsbaustein Protection – Cyber) (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)BaloiseCombi Haushalt, Produktinformationen und Vertragsbedingungen (F2.1 Sicherheitsbaustein Protection – Cyber), Ausgabe 2025, ganzes Dokument durchsucht Open document: BaloiseCombi Haushalt, Produktinformationen und Vertragsbedingungen (F2.1 Sicherheitsbaustein Protection – Cyber) (opens in a new window), retrieved 06.11.2026 |
| Identity theft | limited | CHF 20'000 | Identity theft as a violation of personality rights (psychological support/relocation up to CHF 3'000 on a specialist doctor’s recommendation) and deletion/modification of data up to CHF 20'000 if there is data misuse. | Where does it say so? (Identity theft)BaloiseCombi Haushalt, Produktinformationen und Vertragsbedingungen (F2.1 Sicherheitsbaustein Protection – Cyber), Ausgabe 2025, F2.1.6, PDF-S. 48 «Identitätsdiebstahl oder Sexting» Open document: BaloiseCombi Haushalt, Produktinformationen und Vertragsbedingungen (F2.1 Sicherheitsbaustein Protection – Cyber) (opens in a new window), retrieved 06.11.2026 |
| Cyberbullying and defamation | limited | CHF 3'000 | Intentional violation of personality rights using electronic media: psychological support and relocation up to CHF 3'000, only on the recommendation of a specialist in psychiatry; deletion only in the event of data misuse (up to CHF 20'000). | Where does it say so? (Cyberbullying and defamation)BaloiseCombi Haushalt, Produktinformationen und Vertragsbedingungen (F2.1 Sicherheitsbaustein Protection – Cyber), Ausgabe 2025, F2.1.6, PDF-S. 48 «Sofern durch einen Facharzt für Psychiatrie empfohlen» Open document: BaloiseCombi Haushalt, Produktinformationen und Vertragsbedingungen (F2.1 Sicherheitsbaustein Protection – Cyber) (opens in a new window), retrieved 06.11.2026 |
| Data recovery | covered | CHF 20'000 | Removal of malware and restoration of the operating system (licence key required) as well as data recovery after a technical defect or damage, each up to CHF 20'000; no costs for re-entering data. | Where does it say so? (Data recovery)BaloiseCombi Haushalt, Produktinformationen und Vertragsbedingungen (F2.1 Sicherheitsbaustein Protection – Cyber), Ausgabe 2025, F2.1.4, PDF-S. 48 «Infizierung eines elektronischen Gerätes mit Schadsoftware» Open document: BaloiseCombi Haushalt, Produktinformationen und Vertragsbedingungen (F2.1 Sicherheitsbaustein Protection – Cyber) (opens in a new window), retrieved 06.11.2026 |
| Extortion | limited | CHF 20'000 | Data recovery also for data encrypted by ransomware; extortion payments are excluded. | Where does it say so? (Extortion)BaloiseCombi Haushalt, Produktinformationen und Vertragsbedingungen (F2.1 Sicherheitsbaustein Protection – Cyber), Ausgabe 2025, F2.1.5, PDF-S. 48 «durch Ransomware verschlüsselte Daten zurückzuführen sind» Open document: BaloiseCombi Haushalt, Produktinformationen und Vertragsbedingungen (F2.1 Sicherheitsbaustein Protection – Cyber) (opens in a new window), retrieved 06.11.2026 |
| Hacked accounts | unclear | CHF 20'000 | Data misuse in online transactions is covered; the takeover of social media or mail accounts is not expressly named. | Where does it say so? (Hacked accounts)BaloiseCombi Haushalt, Produktinformationen und Vertragsbedingungen (F2.1 Sicherheitsbaustein Protection – Cyber), Ausgabe 2025, F2.1.2, PDF-S. 48 «Abwicklung von privaten Finanz- und Onlinegeschäften (z. B. online und mobile Banking)» Open document: BaloiseCombi Haushalt, Produktinformationen und Vertragsbedingungen (F2.1 Sicherheitsbaustein Protection – Cyber) (opens in a new window), retrieved 06.11.2026 |
| Internet legal protection | limited | CHF 20'000 | Costs of enforcing claims against perpetrators (card misuse) and for deletion/modification of data on the internet, within CHF 20'000 per event. | Where does it say so? (Internet legal protection)BaloiseCombi Haushalt, Produktinformationen und Vertragsbedingungen (F2.1 Sicherheitsbaustein Protection – Cyber), Ausgabe 2025, F2.1.2, PDF-S. 48 «Kosten für die Durchsetzung von Ansprüchen auf Löschung oder Änderung von Daten im Internet» Open document: BaloiseCombi Haushalt, Produktinformationen und Vertragsbedingungen (F2.1 Sicherheitsbaustein Protection – Cyber) (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)BaloiseCombi Haushalt, Produktinformationen und Vertragsbedingungen (F2.1 Sicherheitsbaustein Protection – Cyber), Ausgabe 2025, ganzes Dokument durchsucht Open document: BaloiseCombi Haushalt, Produktinformationen und Vertragsbedingungen (F2.1 Sicherheitsbaustein Protection – Cyber) (opens in a new window), retrieved 06.11.2026 |
| Smart home | unclear | CHF 20'000 | Malware on an «electronic device» for private use is covered; smart home devices are not expressly named. | Where does it say so? (Smart home)BaloiseCombi Haushalt, Produktinformationen und Vertragsbedingungen (F2.1 Sicherheitsbaustein Protection – Cyber), Ausgabe 2025, F2.1.4, PDF-S. 48 «Infizierung eines elektronischen Gerätes mit Schadsoftware» Open document: BaloiseCombi Haushalt, Produktinformationen und Vertragsbedingungen (F2.1 Sicherheitsbaustein Protection – Cyber) (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)BaloiseCombi Haushalt, Produktinformationen und Vertragsbedingungen (F2.1 Sicherheitsbaustein Protection – Cyber), Ausgabe 2025, ganzes Dokument durchsucht Open document: BaloiseCombi Haushalt, Produktinformationen und Vertragsbedingungen (F2.1 Sicherheitsbaustein Protection – Cyber) (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.