Cyber insurance for Visa, Mastercard and Diners Club cards of Cornèr Bank (individual/family cover)
Cornèrcard
Policy terms: Ausgabe 06.2026
CHF 60
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Misuse of card, Twint, e-banking limited
Limit CHF 20'000. Banking protection: unauthorised payments up to CHF 20'000 per year, authorised payments after phishing (e-mail) or smishing (SMS) up to CHF 1'000 per year. Only if the bank provides no reimbursement at all (or for its deductible). Obligations: up-to-date security system on the device (proof with logs), notification to Allianz within 3 days and no later than 30 days after the monthly statement, blocking within 24 hours after theft, police report, fraud report from the bank. Phone fraud, love scam and investment fraud are de facto excluded.
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Online purchase limited
Limit CHF 350'000. No compensation of the purchase price, only legal protection (CAP) in disputes arising from online contracts for personal use up to CHF 350'000 per event. Collection of undisputed claims is excluded.
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Online sale unclear
Limit CHF 350'000. The legal protection for online contracts (II A 3.4) does not distinguish between purchase and sale; whether private sales fall under this is not regulated. Reimbursement of the missing payment is not provided for.
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Identity theft covered
e-Reputation support: a specialist tries to remedy identity theft and remove data (unlimited per event, at most 2 events per year); plus ID monitoring in the Allyz Security App. No compensation of financial losses.
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Cyberbullying and defamation covered
Limit CHF 3'000. Removal of defamatory content by specialists (unlimited, up to 2 events per year), psychological support up to CHF 3'000 per event, relocation costs if necessary; plus legal protection up to CHF 20'000.
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Data recovery covered
Restoration of digital data (among others after malware, virus, operating error, a fall), unlimited per event, at most 2 events per year.
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Extortion not covered
Payments in response to ransom demands or threats (e.g. data kidnapping) are excluded in the banking protection. Restoring data after malware is covered separately (p.daten).
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Hacked accounts covered
e-Reputation helps in the event of unauthorised access to or closure of personal web accounts (social media, e-mail); a support service, not monetary compensation.
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Internet legal protection covered
Limit CHF 350'000. CAP: CHF 20'000 per event for computer and internet offences, violations of personality rights and copyright; CHF 350'000 for disputes arising from online contracts.
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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 covered
Allyz Security App (provider F-Secure): antivirus, browsing protection, VPN, ID monitoring, password manager for 3 devices (individual) or 5 devices (family), technical support Mon–Fri 8–17. The app is also part of the obligations under the banking protection.
Key facts and terms
- Price
- CHF 60
- Type
- Bundle or add-on to the card
- Deductible
- not stated
Individual cover CHF 60, family cover CHF 85 per year; requirement: residence in Switzerland and a valid e-mail address (application form edition 06.2026).
Exclusions (6)
Exclusions
- Gross negligence is generally excluded.
Where does it say so? (exclusion)
Cyber-Versicherung für die Visa, Mastercard und Diners Club Karten der Cornèr Bank AG – Versicherungsbedingungen – Allianz, Ausgabe 06.2026, I Ziff. 10.2
«Grobe Fahrlässigkeit, die zu einem Schadenfall führt.»
Open document: Cyber-Versicherung für die Visa, Mastercard und Diners Club Karten der Cornèr Bank AG – Versicherungsbedingungen – Allianz (opens in a new window), retrieved 06.11.2026
- Disclosing or storing passwords, PIN, TAN, CVV etc. is excluded. How this fits with the phishing cover is unclear, because exactly such data is often disclosed in phishing.
Where does it say so? (exclusion)
Cyber-Versicherung für die Visa, Mastercard und Diners Club Karten der Cornèr Bank AG – Versicherungsbedingungen – Allianz, Ausgabe 06.2026, II C Banking-Schutz, Ziff. 6.1
«der Speicherung oder Weitergabe von Passwörtern, Zugangscodes und ähnlich vertraulichen Informationen (PIN, TAN, Kartennummern, CVV»
Open document: Cyber-Versicherung für die Visa, Mastercard und Diners Club Karten der Cornèr Bank AG – Versicherungsbedingungen – Allianz (opens in a new window), retrieved 06.11.2026
- Authorised payments that do not result from phishing (e-mail) or smishing (SMS) are excluded, e.g. phone fraud, as are repeated scams such as requests from alleged romantic partners, bank employees or family members in need.
Where does it say so? (exclusion)
Cyber-Versicherung für die Visa, Mastercard und Diners Club Karten der Cornèr Bank AG – Versicherungsbedingungen – Allianz, Ausgabe 06.2026, II C Banking-Schutz, Ziff. 6.2
«die nicht auf Phishing oder Smishing zurückzuführen sind;»
Open document: Cyber-Versicherung für die Visa, Mastercard und Diners Club Karten der Cornèr Bank AG – Versicherungsbedingungen – Allianz (opens in a new window), retrieved 06.11.2026
- Payments in expectation of cryptocurrencies, financial instruments, gold or tickets for making a profit are excluded (investment fraud).
Where does it say so? (exclusion)
Cyber-Versicherung für die Visa, Mastercard und Diners Club Karten der Cornèr Bank AG – Versicherungsbedingungen – Allianz, Ausgabe 06.2026, II C Banking-Schutz, Ziff. 6.3
«der in der Erwartung getätigt wurde, Kryptowährungen, NFTs, Finanzinstrumente, Beratungsdienstleistungen, Gold und andere Edelmetalle»
Open document: Cyber-Versicherung für die Visa, Mastercard und Diners Club Karten der Cornèr Bank AG – Versicherungsbedingungen – Allianz (opens in a new window), retrieved 06.11.2026
- Losses for which the bank is liable and has not excluded its liability in writing are excluded (the insurance is secondary).
Where does it say so? (exclusion)
Cyber-Versicherung für die Visa, Mastercard und Diners Club Karten der Cornèr Bank AG – Versicherungsbedingungen – Allianz, Ausgabe 06.2026, II C Banking-Schutz, Ziff. 6.4
«für die ein Finanzinstitut/Bankkartenherausgeber haftet und seine Haftung nicht schriftlich ausgeschlossen hat;»
Open document: Cyber-Versicherung für die Visa, Mastercard und Diners Club Karten der Cornèr Bank AG – Versicherungsbedingungen – Allianz (opens in a new window), retrieved 06.11.2026
- No phishing protection if the security system on the device was not installed, not active or not up to date.
Where does it say so? (exclusion)
Cyber-Versicherung für die Visa, Mastercard und Diners Club Karten der Cornèr Bank AG – Versicherungsbedingungen – Allianz, Ausgabe 06.2026, II C Banking-Schutz, Ziff. 6.2
«nicht installiert, nicht aktiv oder nicht auf dem neuesten Stand war;»
Open document: Cyber-Versicherung für die Visa, Mastercard und Diners Club Karten der Cornèr Bank AG – Versicherungsbedingungen – Allianz (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 | Banking protection: unauthorised payments up to CHF 20'000 per year, authorised payments after phishing (e-mail) or smishing (SMS) up to CHF 1'000 per year. Only if the bank provides no reimbursement at all (or for its deductible). Obligations: up-to-date security system on the device (proof with logs), notification to Allianz within 3 days and no later than 30 days after the monthly statement, blocking within 24 hours after theft, police report, fraud report from the bank. Phone fraud, love scam and investment fraud are de facto excluded. | Where does it say so? (Misuse of card, Twint, e-banking)Cyber-Versicherung für die Visa, Mastercard und Diners Club Karten der Cornèr Bank AG – Versicherungsbedingungen – Allianz, Ausgabe 06.2026, II C Banking-Schutz, Ziff. 3.4 «sofern das Finanzinstitut/der Bankkartenherausgeber für diesen Vorfall keinerlei Erstattung leistet» Open document: Cyber-Versicherung für die Visa, Mastercard und Diners Club Karten der Cornèr Bank AG – Versicherungsbedingungen – Allianz (opens in a new window), retrieved 06.11.2026 |
| Online purchase | limited | CHF 350'000 | No compensation of the purchase price, only legal protection (CAP) in disputes arising from online contracts for personal use up to CHF 350'000 per event. Collection of undisputed claims is excluded. | Where does it say so? (Online purchase)Cyber-Versicherung für die Visa, Mastercard und Diners Club Karten der Cornèr Bank AG – Versicherungsbedingungen – Allianz, Ausgabe 06.2026, II A Rechtsschutz, Ziff. 3.4 «Streitigkeiten im Zusammenhang mit Verträgen, welche die versicherte Person für ihren persönlichen Gebrauch oder Bedarf über das Internet abgeschlossen hat.» Open document: Cyber-Versicherung für die Visa, Mastercard und Diners Club Karten der Cornèr Bank AG – Versicherungsbedingungen – Allianz (opens in a new window), retrieved 06.11.2026 |
| Online sale | unclear | CHF 350'000 | The legal protection for online contracts (II A 3.4) does not distinguish between purchase and sale; whether private sales fall under this is not regulated. Reimbursement of the missing payment is not provided for. | Where does it say so? (Online sale)Cyber-Versicherung für die Visa, Mastercard und Diners Club Karten der Cornèr Bank AG – Versicherungsbedingungen – Allianz, Ausgabe 06.2026, ganzes Dokument durchsucht Open document: Cyber-Versicherung für die Visa, Mastercard und Diners Club Karten der Cornèr Bank AG – Versicherungsbedingungen – Allianz (opens in a new window), retrieved 06.11.2026 |
| Identity theft | covered | not stated | e-Reputation support: a specialist tries to remedy identity theft and remove data (unlimited per event, at most 2 events per year); plus ID monitoring in the Allyz Security App. No compensation of financial losses. | Where does it say so? (Identity theft)Cyber-Versicherung für die Visa, Mastercard und Diners Club Karten der Cornèr Bank AG – Versicherungsbedingungen – Allianz, Ausgabe 06.2026, II B e-Reputation Unterstützung, Ziff. 1 «einen Diebstahl der digitalen Identität zu beheben» Open document: Cyber-Versicherung für die Visa, Mastercard und Diners Club Karten der Cornèr Bank AG – Versicherungsbedingungen – Allianz (opens in a new window), retrieved 06.11.2026 |
| Cyberbullying and defamation | covered | CHF 3'000 | Removal of defamatory content by specialists (unlimited, up to 2 events per year), psychological support up to CHF 3'000 per event, relocation costs if necessary; plus legal protection up to CHF 20'000. | Where does it say so? (Cyberbullying and defamation)Cyber-Versicherung für die Visa, Mastercard und Diners Club Karten der Cornèr Bank AG – Versicherungsbedingungen – Allianz, Ausgabe 06.2026, II B e-Reputation Unterstützung, Ziff. 2.6 «Online-Beleidigungen, Verleumdung, üble Nachrede, Aufstachelung zum Hass.» Open document: Cyber-Versicherung für die Visa, Mastercard und Diners Club Karten der Cornèr Bank AG – Versicherungsbedingungen – Allianz (opens in a new window), retrieved 06.11.2026 |
| Data recovery | covered | not stated | Restoration of digital data (among others after malware, virus, operating error, a fall), unlimited per event, at most 2 events per year. | Where does it say so? (Data recovery)Cyber-Versicherung für die Visa, Mastercard und Diners Club Karten der Cornèr Bank AG – Versicherungsbedingungen – Allianz, Ausgabe 06.2026, II E Datenwiederherstellung, Ziff. 2.3 «Datenverlust aufgrund von Malware» Open document: Cyber-Versicherung für die Visa, Mastercard und Diners Club Karten der Cornèr Bank AG – Versicherungsbedingungen – Allianz (opens in a new window), retrieved 06.11.2026 |
| Extortion | not covered | not stated | Payments in response to ransom demands or threats (e.g. data kidnapping) are excluded in the banking protection. Restoring data after malware is covered separately (p.daten). | Where does it say so? (Extortion)Cyber-Versicherung für die Visa, Mastercard und Diners Club Karten der Cornèr Bank AG – Versicherungsbedingungen – Allianz, Ausgabe 06.2026, II C Banking-Schutz, Ziff. 6.3 «der von der versicherten Person als Reaktion auf eine Lösegeldforderung oder eine andere illegale Forderung oder Drohung geleistet wurde.» Open document: Cyber-Versicherung für die Visa, Mastercard und Diners Club Karten der Cornèr Bank AG – Versicherungsbedingungen – Allianz (opens in a new window), retrieved 06.11.2026 |
| Hacked accounts | covered | not stated | e-Reputation helps in the event of unauthorised access to or closure of personal web accounts (social media, e-mail); a support service, not monetary compensation. | Where does it say so? (Hacked accounts)Cyber-Versicherung für die Visa, Mastercard und Diners Club Karten der Cornèr Bank AG – Versicherungsbedingungen – Allianz, Ausgabe 06.2026, II B e-Reputation Unterstützung, Ziff. 2.4 «Unbefugtes und nicht einvernehmliches Abrufen oder Schliessen persönlicher Webkonten (z. B. soziale Medien und E-Mail).» Open document: Cyber-Versicherung für die Visa, Mastercard und Diners Club Karten der Cornèr Bank AG – Versicherungsbedingungen – Allianz (opens in a new window), retrieved 06.11.2026 |
| Internet legal protection | covered | CHF 350'000 | CAP: CHF 20'000 per event for computer and internet offences, violations of personality rights and copyright; CHF 350'000 for disputes arising from online contracts. | Where does it say so? (Internet legal protection)Cyber-Versicherung für die Visa, Mastercard und Diners Club Karten der Cornèr Bank AG – Versicherungsbedingungen – Allianz, Ausgabe 06.2026, II A Rechtsschutz, Ziff. 3.1 «Einfordern von Schadenersatz, wenn die versicherte Person Opfer eines Computer- und Internetdelikts wird.» Open document: Cyber-Versicherung für die Visa, Mastercard und Diners Club Karten der Cornèr Bank AG – Versicherungsbedingungen – Allianz (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)Cyber-Versicherung für die Visa, Mastercard und Diners Club Karten der Cornèr Bank AG – Versicherungsbedingungen – Allianz, Ausgabe 06.2026, ganzes Dokument durchsucht Open document: Cyber-Versicherung für die Visa, Mastercard und Diners Club Karten der Cornèr Bank AG – Versicherungsbedingungen – Allianz (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)Cyber-Versicherung für die Visa, Mastercard und Diners Club Karten der Cornèr Bank AG – Versicherungsbedingungen – Allianz, Ausgabe 06.2026, ganzes Dokument durchsucht Open document: Cyber-Versicherung für die Visa, Mastercard und Diners Club Karten der Cornèr Bank AG – Versicherungsbedingungen – Allianz (opens in a new window), retrieved 06.11.2026 |
| IT help without a loss | covered | not stated | Allyz Security App (provider F-Secure): antivirus, browsing protection, VPN, ID monitoring, password manager for 3 devices (individual) or 5 devices (family), technical support Mon–Fri 8–17. The app is also part of the obligations under the banking protection. | Where does it say so? (IT help without a loss)Cyber-Versicherung für die Visa, Mastercard und Diners Club Karten der Cornèr Bank AG – Versicherungsbedingungen – Allianz, Ausgabe 06.2026, I Ziff. 1 D Allyz Security App «Beinhaltet digitale Sicherheitstools wie VPN, Viren- und Malware-Schutz, ID-Überwachung und Passwort-Manager» Open document: Cyber-Versicherung für die Visa, Mastercard und Diners Club Karten der Cornèr Bank AG – Versicherungsbedingungen – Allianz (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.