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What does Helvetia cover?

Helvetia (including former Baloise) (Insurer): we read 1 business product and 1 private product.

As of

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

For businesses

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

Helvetia

Policy terms: Ausgabe Juni 2026 (Dokument 01.07.2026, CH00TLV)

CHF 300–3'100 per year

  • Immediate help in an emergency covered

    Emergency assistance, loss analysis/forensics, crisis and PR consulting; emergency assistance without deductible and without being counted towards the sum insured.

  • Restore data and systems covered

    Restoration of data and software, clean-up, additional costs to continue data processing.

  • Replace unusable devices limited

    Only as an alternative, if replacement is cheaper than clean-up, by agreement.

  • Loss of income after an attack covered

    Loss of profit (EBITDA), waiting period 24 hours, benefit period 12 months; within the first-party sum insured. Deductible = the higher of CHF 1'000 and the loss during the waiting period.

  • Outage at the IT provider limited

    Systems operated by an external service provider count as part of the IT system; not insured are purely technical failures at the service provider, outage of external networks and access blocks from the third week.

  • Outage due to operating error limited

    Negligent operation by the policyholder’s own staff insured (exhaustive list); technical failure, software updates, overload not.

  • Cyber extortion limited

    Limit CHF 30'000. Ransom is paid where insurable; sub-limit ECO 30'000, SMART 50'000, TOP 100'000; reporting to the police is mandatory.

  • Third-party claims after a data breach covered

    Pure financial losses including non-material damage, defence against unfounded claims; liability sum insured CHF 500'000 or 1 million.

  • Proceedings before authorities limited

    Costs of disciplinary, supervisory, administrative and criminal proceedings covered; fines excluded (3.3.1.9 let. e).

  • Inform affected people covered

    Notification, call centre, monitoring in the event of credit card or identity theft; prior consent.

  • Fraud with fake instructions limited

    Limit CHF 30'000. Included in KMU-Spezial (BEC, man-in-the-middle, manipulated invoice). The GTC exclude payments made after a phone call, voice message or video (deepfake) (3.3.1.8); the sample policy KMU-Spezial reinstates them via Special Condition 3.7.6, with proof of basic security measures; only covered if the policy names 3.7.6 (the sample document is marked «DRAFT»). Sub-limit 30'000/50'000/100'000; verify orders from CHF 30'000 securely; criminal complaint.

  • Hacked e-banking limited

    Limit CHF 30'000. Hacked online banking in the same module and with the same sub-limit.

  • Phone hacking and extra costs covered

    Misuse of the telephone system and cryptojacking within the first-party sum insured; criminal complaint.

  • Property damage caused by an attack not covered

    Losses arising from property damage are not insured; the module «Defective production» is not part of KMU-Spezial.

  • Reputational damage not covered

    PR costs covered, loss of revenue due to poor reputation expressly not.

  • Card industry penalties covered

    Fines and penalties of the PCI Security Standards Council, where insurable, plus recertification.

  • Media liability limited

    Copyright, trademark and unfair competition law only if based on a criminal attack.

Key facts and terms
Price
CHF 300–3'100 per year
For whom
Companies with CHF 0–10 million revenue, e-commerce share max. 30%; excluded are, among others, energy, finance, hospitals, IT service providers, telecoms
Sums insured
CHF 50'000, CHF 100'000, CHF 200'000, CHF 500'000, CHF 1'000'000
Deductible
CHF 1'000, CHF 500
Waiting period for loss of income
24 hours
Indemnity period
12 months
Territorial scope
worldwide; liability claims USA/Canada excluded (sections 1.2, 3.4.1)

Sums insured: first-party loss 50k–500k depending on band and variant, liability 500k or 1 million, legal protection 50k (Coop Rechtsschutz). Deductible 500 for start-ups and Holzbau Schweiz members. Since 01.07.2026, new contracts are issued in the name of Helvetia; Baloise customers receive an offer with the Helvetia product.

Price: No calculator; fixed premium table in the public application form. Individual Light/Standard/Premium packages only on quotation.

Gross negligence: Helvetia waives the reduction under Art. 14 ICA for gross negligence. Caution: the product page states that grossly negligent conduct by a representative is not insured; the policy is decisive.

Where does it say so? (gross negligence)

Allgemeine Versicherungsbedingungen Helvetia Cyber-Versicherung (Musterwording KMU-Spezial), Ausgabe Juni 2026 (Dokument 01.07.2026, CH00TLV), Ziff. 4.6.4, S. 18

«Helvetia verzichtet auf ihr Recht, ihre Leistungen gemäss Art. 14 VVG zu kürzen, wenn das Ereignis … grobfahrlässig herbeigeführt worden ist.»

Open document: Allgemeine Versicherungsbedingungen Helvetia Cyber-Versicherung (Musterwording KMU-Spezial) (opens in a new window), retrieved 06.11.2026

Exclusions and Duties before and after a loss (9)

Exclusions

Duties before and after a loss

All values as a table
What Helvetia covers in “Helvetia Cyber-Versicherung – KMU-Spezial (variants ECO, SMART, TOP)”
ModuleStatusLimitWhat appliesSource
Immediate help in an emergency covered not stated Emergency assistance, loss analysis/forensics, crisis and PR consulting; emergency assistance without deductible and without being counted towards the sum insured.
Where does it say so? (Immediate help in an emergency)

Allgemeine Versicherungsbedingungen Helvetia Cyber-Versicherung (Musterwording KMU-Spezial), Ausgabe Juni 2026 (Dokument 01.07.2026, CH00TLV), Ziff. 3.3.1.4, S. 10

«Hinsichtlich der Kosten für die Notfallhilfe fällt weder ein Selbstbehalt an noch werden diese Kosten auf die Versicherungssumme angerechnet»

Open document: Allgemeine Versicherungsbedingungen Helvetia Cyber-Versicherung (Musterwording KMU-Spezial) (opens in a new window), retrieved 06.11.2026
Restore data and systems covered not stated Restoration of data and software, clean-up, additional costs to continue data processing.
Where does it say so? (Restore data and systems)

Allgemeine Versicherungsbedingungen Helvetia Cyber-Versicherung (Musterwording KMU-Spezial), Ausgabe Juni 2026 (Dokument 01.07.2026, CH00TLV), Ziff. 3.3.1.1, S. 9

«ersetzt die Kosten für das Wiederherstellen von digitalen Daten oder Software auf Datenträger des IT-Systems»

Open document: Allgemeine Versicherungsbedingungen Helvetia Cyber-Versicherung (Musterwording KMU-Spezial) (opens in a new window), retrieved 06.11.2026
Replace unusable devices limited not stated Only as an alternative, if replacement is cheaper than clean-up, by agreement.
Where does it say so? (Replace unusable devices)

Allgemeine Versicherungsbedingungen Helvetia Cyber-Versicherung (Musterwording KMU-Spezial), Ausgabe Juni 2026 (Dokument 01.07.2026, CH00TLV), Ziff. 3.3.1.1, S. 10

«Falls eine Ersatzanschaffung … von Software- und Hardware-Komponenten … kostengünstiger kommen sollte, als die Bereinigung, ersetzt Helvetia alternativ»

Open document: Allgemeine Versicherungsbedingungen Helvetia Cyber-Versicherung (Musterwording KMU-Spezial) (opens in a new window), retrieved 06.11.2026
Loss of income after an attack covered not stated Loss of profit (EBITDA), waiting period 24 hours, benefit period 12 months; within the first-party sum insured. Deductible = the higher of CHF 1'000 and the loss during the waiting period.
Where does it say so? (Loss of income after an attack)

Allgemeine Versicherungsbedingungen Helvetia Cyber-Versicherung (Musterwording KMU-Spezial), Ausgabe Juni 2026 (Dokument 01.07.2026, CH00TLV), Ziff. 3.3.1.3, S. 10

«ersetzt den Gewinnausfall, der entsteht, wenn der Betrieb … ganz oder teilweise unterbrochen … ist»

Open document: Allgemeine Versicherungsbedingungen Helvetia Cyber-Versicherung (Musterwording KMU-Spezial) (opens in a new window), retrieved 06.11.2026
Outage at the IT provider limited not stated Systems operated by an external service provider count as part of the IT system; not insured are purely technical failures at the service provider, outage of external networks and access blocks from the third week.
Where does it say so? (Outage at the IT provider)

Allgemeine Versicherungsbedingungen Helvetia Cyber-Versicherung (Musterwording KMU-Spezial), Ausgabe Juni 2026 (Dokument 01.07.2026, CH00TLV), Ziff. 3.2.3 lit. j, S. 9

«Blockierung des Zugriffs durch einen externen Dienstleister … ausgenommen sind die ersten zwei Wochen»

Open document: Allgemeine Versicherungsbedingungen Helvetia Cyber-Versicherung (Musterwording KMU-Spezial) (opens in a new window), retrieved 06.11.2026
Outage due to operating error limited not stated Negligent operation by the policyholder’s own staff insured (exhaustive list); technical failure, software updates, overload not.
Where does it say so? (Outage due to operating error)

Allgemeine Versicherungsbedingungen Helvetia Cyber-Versicherung (Musterwording KMU-Spezial), Ausgabe Juni 2026 (Dokument 01.07.2026, CH00TLV), Ziff. 3.2.1 Ziff. 2, S. 9

«nicht-kriminellen Ursachen (Aufzählung ist abschliessend): a) autorisierter Zugriff und fahrlässige Bedienung»

Open document: Allgemeine Versicherungsbedingungen Helvetia Cyber-Versicherung (Musterwording KMU-Spezial) (opens in a new window), retrieved 06.11.2026
Cyber extortion limited CHF 30'000 Ransom is paid where insurable; sub-limit ECO 30'000, SMART 50'000, TOP 100'000; reporting to the police is mandatory.
Where does it say so? (Cyber extortion)

Allgemeine Versicherungsbedingungen Helvetia Cyber-Versicherung (Musterwording KMU-Spezial), Ausgabe Juni 2026 (Dokument 01.07.2026, CH00TLV), Ziff. 3.3.1.7 lit. c, S. 11

«Ausgleichszahlung des effektiv … gezahlten Lösegelds, soweit dies unter dem anwendbaren Recht versicherbar ist»

Open document: Allgemeine Versicherungsbedingungen Helvetia Cyber-Versicherung (Musterwording KMU-Spezial) (opens in a new window), retrieved 06.11.2026
Third-party claims after a data breach covered not stated Pure financial losses including non-material damage, defence against unfounded claims; liability sum insured CHF 500'000 or 1 million.
Where does it say so? (Third-party claims after a data breach)

Allgemeine Versicherungsbedingungen Helvetia Cyber-Versicherung (Musterwording KMU-Spezial), Ausgabe Juni 2026 (Dokument 01.07.2026, CH00TLV), Ziff. 3.3.2.1, S. 12

«entschädigt begründete Ansprüche Dritter … wehrt unbegründete Ansprüche Dritter ab»

Open document: Allgemeine Versicherungsbedingungen Helvetia Cyber-Versicherung (Musterwording KMU-Spezial) (opens in a new window), retrieved 06.11.2026
Proceedings before authorities limited not stated Costs of disciplinary, supervisory, administrative and criminal proceedings covered; fines excluded (3.3.1.9 let. e).
Where does it say so? (Proceedings before authorities)

Allgemeine Versicherungsbedingungen Helvetia Cyber-Versicherung (Musterwording KMU-Spezial), Ausgabe Juni 2026 (Dokument 01.07.2026, CH00TLV), Ziff. 3.3.1.5 lit. d, S. 11

«Disziplinar-, Aufsichts-, Verwaltungs- oder Strafverfahren (dazu gehören Anwaltshonorare, Gerichts- und Expertisekosten»

Open document: Allgemeine Versicherungsbedingungen Helvetia Cyber-Versicherung (Musterwording KMU-Spezial) (opens in a new window), retrieved 06.11.2026
Inform affected people covered not stated Notification, call centre, monitoring in the event of credit card or identity theft; prior consent.
Where does it say so? (Inform affected people)

Allgemeine Versicherungsbedingungen Helvetia Cyber-Versicherung (Musterwording KMU-Spezial), Ausgabe Juni 2026 (Dokument 01.07.2026, CH00TLV), Ziff. 3.3.1.5, S. 11

«Call-Center-Services; … Überwachungsdienstleistungen bei Kreditkartendaten- oder Identitätsdiebstahl»

Open document: Allgemeine Versicherungsbedingungen Helvetia Cyber-Versicherung (Musterwording KMU-Spezial) (opens in a new window), retrieved 06.11.2026
Fraud with fake instructions limited CHF 30'000 Included in KMU-Spezial (BEC, man-in-the-middle, manipulated invoice). The GTC exclude payments made after a phone call, voice message or video (deepfake) (3.3.1.8); the sample policy KMU-Spezial reinstates them via Special Condition 3.7.6, with proof of basic security measures; only covered if the policy names 3.7.6 (the sample document is marked «DRAFT»). Sub-limit 30'000/50'000/100'000; verify orders from CHF 30'000 securely; criminal complaint.
Where does it say so? (Fraud with fake instructions)

Allgemeine Versicherungsbedingungen Helvetia Cyber-Versicherung (Musterwording KMU-Spezial), Ausgabe Juni 2026 (Dokument 01.07.2026, CH00TLV), Ziff. 3.3.1.8 lit. b, S. 12

«z.B. BEC (Business Email Compromise), Man-in-the-Middle-Angriffe, manipulierte Rechnung eines Dritten»

Open document: Allgemeine Versicherungsbedingungen Helvetia Cyber-Versicherung (Musterwording KMU-Spezial) (opens in a new window), retrieved 06.11.2026
Hacked e-banking limited CHF 30'000 Hacked online banking in the same module and with the same sub-limit.
Where does it say so? (Hacked e-banking)

Allgemeine Versicherungsbedingungen Helvetia Cyber-Versicherung (Musterwording KMU-Spezial), Ausgabe Juni 2026 (Dokument 01.07.2026, CH00TLV), Ziff. 3.3.1.8 lit. b, S. 12

«gehacktes Online-Banking oder Zahlungssystem»

Open document: Allgemeine Versicherungsbedingungen Helvetia Cyber-Versicherung (Musterwording KMU-Spezial) (opens in a new window), retrieved 06.11.2026
Phone hacking and extra costs covered not stated Misuse of the telephone system and cryptojacking within the first-party sum insured; criminal complaint.
Where does it say so? (Phone hacking and extra costs)

Allgemeine Versicherungsbedingungen Helvetia Cyber-Versicherung (Musterwording KMU-Spezial), Ausgabe Juni 2026 (Dokument 01.07.2026, CH00TLV), Ziff. 3.3.1.8 lit. a, S. 12

«der Telefonanlage, eines Smartphones … (z.B. Phreaking); … Crypto Mining oder Cryptojacking»

Open document: Allgemeine Versicherungsbedingungen Helvetia Cyber-Versicherung (Musterwording KMU-Spezial) (opens in a new window), retrieved 06.11.2026
Property damage caused by an attack not covered not stated Losses arising from property damage are not insured; the module «Defective production» is not part of KMU-Spezial.
Where does it say so? (Property damage caused by an attack)

Allgemeine Versicherungsbedingungen Helvetia Cyber-Versicherung (Musterwording KMU-Spezial), Ausgabe Juni 2026 (Dokument 01.07.2026, CH00TLV), Ziff. 3.2.3 lit. b, S. 9

«Nicht versichert sind Schäden, … die durch einen Sachschaden entstehen»

Open document: Allgemeine Versicherungsbedingungen Helvetia Cyber-Versicherung (Musterwording KMU-Spezial) (opens in a new window), retrieved 06.11.2026
Reputational damage not covered not stated PR costs covered, loss of revenue due to poor reputation expressly not.
Where does it say so? (Reputational damage)

Allgemeine Versicherungsbedingungen Helvetia Cyber-Versicherung (Musterwording KMU-Spezial), Ausgabe Juni 2026 (Dokument 01.07.2026, CH00TLV), Ziff. 3.3.1.6, S. 11

«Nicht ersetzt werden Kosten für: Umsatz- / Betriebsertragseinbussen aus schlechter Reputation»

Open document: Allgemeine Versicherungsbedingungen Helvetia Cyber-Versicherung (Musterwording KMU-Spezial) (opens in a new window), retrieved 06.11.2026
Card industry penalties covered not stated Fines and penalties of the PCI Security Standards Council, where insurable, plus recertification.
Where does it say so? (Card industry penalties)

Allgemeine Versicherungsbedingungen Helvetia Cyber-Versicherung (Musterwording KMU-Spezial), Ausgabe Juni 2026 (Dokument 01.07.2026, CH00TLV), Ziff. 3.3.1.4 lit. e, S. 11

«Bussen und Strafen, welche durch das PCI Security Standards Council auferlegt wurden, sofern … versicherbar»

Open document: Allgemeine Versicherungsbedingungen Helvetia Cyber-Versicherung (Musterwording KMU-Spezial) (opens in a new window), retrieved 06.11.2026
Media liability limited not stated Copyright, trademark and unfair competition law only if based on a criminal attack.
Where does it say so? (Media liability)

Allgemeine Versicherungsbedingungen Helvetia Cyber-Versicherung (Musterwording KMU-Spezial), Ausgabe Juni 2026 (Dokument 01.07.2026, CH00TLV), Ziff. 3.3.2.1, S. 12

«leistet Helvetia jedoch nur, wenn die Ansprüche Dritter auf einem kriminell verursachten versicherten Schadenereignis (Cybercrime) beruhen»

Open document: Allgemeine Versicherungsbedingungen Helvetia Cyber-Versicherung (Musterwording KMU-Spezial) (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

Cyber add-on to the household contents insurance («Cyber: losses arising from the use of internet technologies»)

Helvetia

Policy terms: Ausgabe September 2025

only via the provider’s calculator

  • Misuse of card, Twint, e-banking limited

    Limit CHF 5'000. «Online banking/credit card misuse (phishing, hacking, skimming)» up to CHF 5'000. However, the definition only names credit cards with a payment function at manipulated ATMs, manipulated payment terminals and for mobile payment; whether pure online misuse or e-banking falls under this is unclear. Deductible according to the policy; subsidiary (O11).

  • Online purchase limited

    Limit CHF 2'000. Purchase protection: value of the goods in the event of non-delivery, return costs in the event of wrong delivery of an online order; up to CHF 2'000 without deductible.

  • Online sale no information

    Not regulated in the conditions.

  • Identity theft limited

    Limit CHF 5'000. Identity misuse up to CHF 5'000; the GTC do not describe exactly which costs are compensated.

  • Cyberbullying and defamation limited

    Limit CHF 5'000. Costs for deletion/modification of content violating personality rights up to CHF 5'000; no psychological help named. Legal protection only via a Helvetia legal protection insurance.

  • Data recovery limited

    Limit CHF 5'000. Restoration of data and software only in the event of a criminal cause (unauthorised access, DDoS), including removal of malware; up to CHF 5'000.

  • Extortion no information

    Not regulated in the conditions.

  • Hacked accounts unclear

    Limit CHF 5'000. Unauthorised access is only named as a cause for data restoration.

  • Internet legal protection add-on

    Not in the cyber add-on. According to the product page, cyber legal protection is included in every Helvetia legal protection insurance (separate product, GTC not evaluated).

  • Liability on the internet add-on

    Cyber add-on to private liability insurance (A35.7): costs of restoring third-party data, e.g. after accidentally forwarded malware. Sum insured and deductible according to the policy.

  • 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
only via the provider’s calculator
Type
Add-on to household contents insurance
Deductible
not stated

Price only via the calculator. According to the product page, no separate private cyber insurance, but one cyber add-on each in household contents and private liability insurance; up to 10% combination discount with private liability, household contents and legal protection.

Exclusions (3)

Exclusions

All values as a table
What Helvetia covers in “Cyber add-on to the household contents insurance («Cyber: losses arising from the use of internet technologies»)”
ModuleStatusLimitWhat appliesSource
Misuse of card, Twint, e-banking limited CHF 5'000 «Online banking/credit card misuse (phishing, hacking, skimming)» up to CHF 5'000. However, the definition only names credit cards with a payment function at manipulated ATMs, manipulated payment terminals and for mobile payment; whether pure online misuse or e-banking falls under this is unclear. Deductible according to the policy; subsidiary (O11).
Where does it say so? (Misuse of card, Twint, e-banking)

AVB Helvetia Privatkundenversicherung, Hausrat und Privathaftpflicht, Ausgabe September 2025, O5, PDF-S. 10; Begriff «Online-Banking/Kreditkartenmissbrauch», PDF-S. 22

«bei widerrechtlichen Abhebungen an manipulierten Geldausgabeautomaten»

Open document: AVB Helvetia Privatkundenversicherung, Hausrat und Privathaftpflicht (opens in a new window), retrieved 06.11.2026
Online purchase limited CHF 2'000 Purchase protection: value of the goods in the event of non-delivery, return costs in the event of wrong delivery of an online order; up to CHF 2'000 without deductible.
Where does it say so? (Online purchase)

AVB Helvetia Privatkundenversicherung, Hausrat und Privathaftpflicht, Ausgabe September 2025, O6, PDF-S. 10

«CHF 2’000 (ohne Abzug eines Selbstbehaltes)»

Open document: AVB Helvetia Privatkundenversicherung, Hausrat und Privathaftpflicht (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)

AVB Helvetia Privatkundenversicherung, Hausrat und Privathaftpflicht, Ausgabe September 2025, ganzes Dokument durchsucht

Open document: AVB Helvetia Privatkundenversicherung, Hausrat und Privathaftpflicht (opens in a new window), retrieved 06.11.2026
Identity theft limited CHF 5'000 Identity misuse up to CHF 5'000; the GTC do not describe exactly which costs are compensated.
Where does it say so? (Identity theft)

AVB Helvetia Privatkundenversicherung, Hausrat und Privathaftpflicht, Ausgabe September 2025, O3, PDF-S. 10; Begriff, PDF-S. 21

«Entwendung und missbräuchliche Nutzung von personenbezogenen Daten durch kriminelle Dritte»

Open document: AVB Helvetia Privatkundenversicherung, Hausrat und Privathaftpflicht (opens in a new window), retrieved 06.11.2026
Cyberbullying and defamation limited CHF 5'000 Costs for deletion/modification of content violating personality rights up to CHF 5'000; no psychological help named. Legal protection only via a Helvetia legal protection insurance.
Where does it say so? (Cyberbullying and defamation)

AVB Helvetia Privatkundenversicherung, Hausrat und Privathaftpflicht, Ausgabe September 2025, O2, PDF-S. 10

«Kosten für die Löschung /Änderung persönlichkeitsverletzender Inhalte (Cyber-Mobbing)»

Open document: AVB Helvetia Privatkundenversicherung, Hausrat und Privathaftpflicht (opens in a new window), retrieved 06.11.2026
Data recovery limited CHF 5'000 Restoration of data and software only in the event of a criminal cause (unauthorised access, DDoS), including removal of malware; up to CHF 5'000.
Where does it say so? (Data recovery)

AVB Helvetia Privatkundenversicherung, Hausrat und Privathaftpflicht, Ausgabe September 2025, O1, PDF-S. 10

«aufgrund folgender krimineller Ursachen (Cyber-Crime)»

Open document: AVB Helvetia Privatkundenversicherung, Hausrat und Privathaftpflicht (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)

AVB Helvetia Privatkundenversicherung, Hausrat und Privathaftpflicht, Ausgabe September 2025, ganzes Dokument durchsucht

Open document: AVB Helvetia Privatkundenversicherung, Hausrat und Privathaftpflicht (opens in a new window), retrieved 06.11.2026
Hacked accounts unclear CHF 5'000 Unauthorised access is only named as a cause for data restoration.
Where does it say so? (Hacked accounts)

AVB Helvetia Privatkundenversicherung, Hausrat und Privathaftpflicht, Ausgabe September 2025, O1, PDF-S. 10

«aufgrund folgender krimineller Ursachen (Cyber-Crime)»

Open document: AVB Helvetia Privatkundenversicherung, Hausrat und Privathaftpflicht (opens in a new window), retrieved 06.11.2026
Internet legal protection add-on not stated Not in the cyber add-on. According to the product page, cyber legal protection is included in every Helvetia legal protection insurance (separate product, GTC not evaluated).
Where does it say so? (Internet legal protection)

Private Cyberversicherung: Jetzt abschliessen, abgerufen 06.11.2026, Abschnitt «Cyber-Rechtsschutz»

«Mit einer Helvetia Rechtsschutzversicherung sind Sie automatisch auch bei Rechtsangelegenheiten im Bereich Cyber versichert.»

Open document: Private Cyberversicherung: Jetzt abschliessen (opens in a new window), retrieved 06.11.2026
Liability on the internet add-on not stated Cyber add-on to private liability insurance (A35.7): costs of restoring third-party data, e.g. after accidentally forwarded malware. Sum insured and deductible according to the policy.
Where does it say so? (Liability on the internet)

AVB Helvetia Privatkundenversicherung, Hausrat und Privathaftpflicht, Ausgabe September 2025, Privathaftpflicht A35.7, PDF-S. 19

«unabsichtliche Übertragung von schädlichen digitalen Daten oder Software auf das Computernetzwerk eines Dritten»

Open document: AVB Helvetia Privatkundenversicherung, Hausrat und Privathaftpflicht (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)

AVB Helvetia Privatkundenversicherung, Hausrat und Privathaftpflicht, Ausgabe September 2025, ganzes Dokument durchsucht

Open document: AVB Helvetia Privatkundenversicherung, Hausrat und Privathaftpflicht (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)

AVB Helvetia Privatkundenversicherung, Hausrat und Privathaftpflicht, Ausgabe September 2025, ganzes Dokument durchsucht

Open document: AVB Helvetia Privatkundenversicherung, Hausrat und Privathaftpflicht (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