Cembra CyberProtect
Cembra
Policy terms: Ausgabe 07/2024
CHF 71.40
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Misuse of card, Twint, e-banking limited
Limit CHF 5'000. Covered: misuse after theft or robbery of the card or device and identity theft with card data, up to CHF 5'000 per year. Excluded: skimming and e-banking; secondary to the bank (only after written refusal). The product page advertises «phishing», but GTC section 2.1.1 does not expressly name phishing.
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Online purchase covered
Limit CHF 5'000. Online purchase protection for goods (wrong, partial, non-delivery within 30 days) up to CHF 5'000 and for services bought online (including fraudulent websites) up to CHF 5'000 per year; at least 80% paid with the card, minimum value CHF 50. Goods from online auctions are excluded.
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Online sale no information
Not regulated in the conditions.
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Identity theft limited
Limit CHF 5'000. Only financial loss from identity theft with card data of the Cembra credit card, no help with cleaning up.
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Cyberbullying and defamation no information
Not regulated in the conditions.
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Data recovery limited
Limit CHF 5'000. Removal of malware and restoration after unauthorised access or DDoS by an official specialist firm; no replacement of the device, operating system licence key required.
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Extortion no information
Not regulated in the conditions.
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Hacked accounts limited
Limit CHF 5'000. Only misuse of the customer account at a Swiss online merchant with a fraudulent payment; social media or mail accounts are not covered.
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Internet legal protection covered
Limit CHF 50'000. Coop Rechtsschutz for contractual disputes with the service provider if payment was made with the credit card.
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Liability on the internet no information
Not regulated in the conditions.
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Smart home no information
Not regulated in the conditions.
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IT help without a loss no information
Not regulated in the conditions.
Key facts and terms
- Price
- CHF 71.40
- Type
- Bundle or add-on to the card
- Deductible
- none
CHF 5.95 per month (product page and declaration of membership); annual figure calculated by us. Minimum term 365 days, then renewal for 30 days at a time.
Exclusions (2)
Exclusions
- Intent, gross negligence and even disregard of the general duty of care are excluded.
Where does it say so? (exclusion)
Cembra CyberProtect – Kundeninformation und Allgemeine Versicherungsbedingungen (AVB), Ausgabe 07/2024, AVB Ziff. 1.3 Generelle Ausschlüsse
«Schäden, die durch vorsätzliches oder grob fahrlässiges Handeln oder Unterlassen verursacht werden oder auf Ausserachtlassung der allgemeinen Sorgfaltspflicht zurückzuführen sind;»
Open document: Cembra CyberProtect – Kundeninformation und Allgemeine Versicherungsbedingungen (AVB) (opens in a new window), retrieved 06.11.2026
- No protection as long as the bank has not refused in writing to cover the loss; the cover is subsidiary.
Where does it say so? (exclusion)
Cembra CyberProtect – Kundeninformation und Allgemeine Versicherungsbedingungen (AVB), Ausgabe 07/2024, AVB Ziff. 1.3 Generelle Ausschlüsse
«Schäden, deren Übernahme ein ersatzpflichtiges Unternehmen (kontoführendes Geldinstitut, Kartenvertragspartner oder Netzwerkanbieter) nicht schriftlich abgelehnt hat;»
Open document: Cembra CyberProtect – Kundeninformation und Allgemeine Versicherungsbedingungen (AVB) (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 5'000 | Covered: misuse after theft or robbery of the card or device and identity theft with card data, up to CHF 5'000 per year. Excluded: skimming and e-banking; secondary to the bank (only after written refusal). The product page advertises «phishing», but GTC section 2.1.1 does not expressly name phishing. | Where does it say so? (Misuse of card, Twint, e-banking)Cembra CyberProtect – Kundeninformation und Allgemeine Versicherungsbedingungen (AVB), Ausgabe 07/2024, AVB Ziff. 2.1.3 Ausschlüsse «Skimming; • Schäden im Zusammenhang mit E-Banking;» Open document: Cembra CyberProtect – Kundeninformation und Allgemeine Versicherungsbedingungen (AVB) (opens in a new window), retrieved 06.11.2026 |
| Online purchase | covered | CHF 5'000 | Online purchase protection for goods (wrong, partial, non-delivery within 30 days) up to CHF 5'000 and for services bought online (including fraudulent websites) up to CHF 5'000 per year; at least 80% paid with the card, minimum value CHF 50. Goods from online auctions are excluded. | Where does it say so? (Online purchase)Cembra CyberProtect – Kundeninformation und Allgemeine Versicherungsbedingungen (AVB), Ausgabe 07/2024, AVB Ziff. 2.4.1 C «Die online eingekaufte Dienstleistung kann aufgrund einer betrügerischen Website oder aufgrund eines betrügerischen Anbieters auf einer Website nicht erbracht werden;» Open document: Cembra CyberProtect – Kundeninformation und Allgemeine Versicherungsbedingungen (AVB) (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)Cembra CyberProtect – Kundeninformation und Allgemeine Versicherungsbedingungen (AVB), Ausgabe 07/2024, ganzes Dokument durchsucht Open document: Cembra CyberProtect – Kundeninformation und Allgemeine Versicherungsbedingungen (AVB) (opens in a new window), retrieved 06.11.2026 |
| Identity theft | limited | CHF 5'000 | Only financial loss from identity theft with card data of the Cembra credit card, no help with cleaning up. | Where does it say so? (Identity theft)Cembra CyberProtect – Kundeninformation und Allgemeine Versicherungsbedingungen (AVB), Ausgabe 07/2024, AVB Ziff. 2.1.1 A «Diebstahl der Identität durch missbräuchliche Verwendung personen- und kartenbezogener Daten der Kreditkarte.» Open document: Cembra CyberProtect – Kundeninformation und Allgemeine Versicherungsbedingungen (AVB) (opens in a new window), retrieved 06.11.2026 |
| Cyberbullying and defamation | no information | not stated | Not regulated in the conditions. | Where does it say so? (Cyberbullying and defamation)Cembra CyberProtect – Kundeninformation und Allgemeine Versicherungsbedingungen (AVB), Ausgabe 07/2024, ganzes Dokument durchsucht Open document: Cembra CyberProtect – Kundeninformation und Allgemeine Versicherungsbedingungen (AVB) (opens in a new window), retrieved 06.11.2026 |
| Data recovery | limited | CHF 5'000 | Removal of malware and restoration after unauthorised access or DDoS by an official specialist firm; no replacement of the device, operating system licence key required. | Where does it say so? (Data recovery)Cembra CyberProtect – Kundeninformation und Allgemeine Versicherungsbedingungen (AVB), Ausgabe 07/2024, AVB Ziff. 2.2.1 «Wiederherstellung Software sowie digitaler Daten und Entfernung der Schadsoftware aufgrund folgender krimineller Ursachen (Cyber-Crime)» Open document: Cembra CyberProtect – Kundeninformation und Allgemeine Versicherungsbedingungen (AVB) (opens in a new window), retrieved 06.11.2026 |
| Extortion | no information | not stated | Not regulated in the conditions. | Where does it say so? (Extortion)Cembra CyberProtect – Kundeninformation und Allgemeine Versicherungsbedingungen (AVB), Ausgabe 07/2024, ganzes Dokument durchsucht Open document: Cembra CyberProtect – Kundeninformation und Allgemeine Versicherungsbedingungen (AVB) (opens in a new window), retrieved 06.11.2026 |
| Hacked accounts | limited | CHF 5'000 | Only misuse of the customer account at a Swiss online merchant with a fraudulent payment; social media or mail accounts are not covered. | Where does it say so? (Hacked accounts)Cembra CyberProtect – Kundeninformation und Allgemeine Versicherungsbedingungen (AVB), Ausgabe 07/2024, AVB Ziff. 2.5.1 A «unrechtmässigen Zugriff auf das private Kundenkonto eines Schweizer Onlinehandels» Open document: Cembra CyberProtect – Kundeninformation und Allgemeine Versicherungsbedingungen (AVB) (opens in a new window), retrieved 06.11.2026 |
| Internet legal protection | covered | CHF 50'000 | Coop Rechtsschutz for contractual disputes with the service provider if payment was made with the credit card. | Where does it say so? (Internet legal protection)Cembra CyberProtect – Kundeninformation und Allgemeine Versicherungsbedingungen (AVB), Ausgabe 07/2024, AVB Ziff. 3.2 «Der Karteninhaber verfügt über einen Rechtsschutz bei vertragsrechtlichen Streitigkeiten gegenüber dem Leistungserbringer, sofern der Kauf oder die Dienstleistung mit der Kreditkarte bezahlt wurde.» Open document: Cembra CyberProtect – Kundeninformation und Allgemeine Versicherungsbedingungen (AVB) (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)Cembra CyberProtect – Kundeninformation und Allgemeine Versicherungsbedingungen (AVB), Ausgabe 07/2024, ganzes Dokument durchsucht Open document: Cembra CyberProtect – Kundeninformation und Allgemeine Versicherungsbedingungen (AVB) (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)Cembra CyberProtect – Kundeninformation und Allgemeine Versicherungsbedingungen (AVB), Ausgabe 07/2024, ganzes Dokument durchsucht Open document: Cembra CyberProtect – Kundeninformation und Allgemeine Versicherungsbedingungen (AVB) (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)Cembra CyberProtect – Kundeninformation und Allgemeine Versicherungsbedingungen (AVB), Ausgabe 07/2024, ganzes Dokument durchsucht Open document: Cembra CyberProtect – Kundeninformation und Allgemeine Versicherungsbedingungen (AVB) (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.