smile.home, additional cover Cyber (H.4.5) and optional private legal protection (R)
smile
Policy terms: Ausgabe Januar 2024
only via the provider’s calculator
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Misuse of card, Twint, e-banking limited
Limit CHF 5'000. Misuse of data in private financial and online transactions (online/mobile banking) and misuse by third parties of cards issued in Switzerland: compensation up to CHF 5'000 per event including blocking and replacement costs; subsidiary to the card issuer and bank. The gross negligence protection does not apply to cyber.
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Online purchase limited
Limit CHF 5'000. Shopping Premium: loss/damage in transit, non-delivery or wrong delivery; twice per year, each up to CHF 5'000; minimum value of goods CHF 50; jewellery/watches max. CHF 1'000 per year; subsidiary.
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Online sale no information
Not regulated in the conditions.
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Identity theft limited
Limit CHF 5'000. Compensation of financial losses from data misuse in financial and online transactions; no help in cleaning up your identity.
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Cyberbullying and defamation add-on
Limit CHF 50'000. Not in the cyber add-on. In the optional private legal protection (Coop Rechtsschutz): legal disputes in the event of cyberbullying, threats, coercion or extortion via the internet up to CHF 50'000, without waiting period, plus a deletion service up to CHF 1'000.
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Data recovery covered
Limit CHF 5'000. Restoration of data and software including removal of malware up to CHF 5'000 per event; no promise of success.
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Extortion add-on
Limit CHF 50'000. No ransom. Legal protection in the event of extortion via the internet only in the optional private legal protection.
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Hacked accounts no information
Not regulated in the conditions.
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Internet legal protection add-on
Limit CHF 50'000. Private legal protection (if agreed): victim of card misuse, phishing, hacking, skimming and cyberbullying, each up to CHF 50'000, without waiting period.
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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
- only via the provider’s calculator
- Type
- Add-on to household contents insurance
- Deductible
- none
Price only via the calculator. Cyber is an additional cover of the household insurance (if agreed in the contract); the private legal protection can be chosen separately.
Exclusions (2)
Exclusions
- The gross negligence protection does not apply to the cyber insurance.
Where does it say so? (exclusion)
AVB zur Haushaltversicherung smile.home (AVB HAU 2024.01), Risikoträger Helvetia; Privatrechtsschutz Coop Rechtsschutz, Ausgabe Januar 2024, H.4.6.4 lit. c, PDF-S. 35
«für sämtliche Leistungen der Cyberversicherung sowie Fälle von Beschädigung»
Open document: AVB zur Haushaltversicherung smile.home (AVB HAU 2024.01), Risikoträger Helvetia; Privatrechtsschutz Coop Rechtsschutz (opens in a new window), retrieved 06.11.2026
- Subsidiary to the card issuer and bank.
Where does it say so? (exclusion)
AVB zur Haushaltversicherung smile.home (AVB HAU 2024.01), Risikoträger Helvetia; Privatrechtsschutz Coop Rechtsschutz, Ausgabe Januar 2024, H.4.5.3 lit. b, PDF-S. 32
«(z. B. Kreditkartenherausgeber oder Bank) übernommen werden (Subsidiarität)»
Open document: AVB zur Haushaltversicherung smile.home (AVB HAU 2024.01), Risikoträger Helvetia; Privatrechtsschutz Coop Rechtsschutz (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 | Misuse of data in private financial and online transactions (online/mobile banking) and misuse by third parties of cards issued in Switzerland: compensation up to CHF 5'000 per event including blocking and replacement costs; subsidiary to the card issuer and bank. The gross negligence protection does not apply to cyber. | Where does it say so? (Misuse of card, Twint, e-banking)AVB zur Haushaltversicherung smile.home (AVB HAU 2024.01), Risikoträger Helvetia; Privatrechtsschutz Coop Rechtsschutz, Ausgabe Januar 2024, H.4.5.3 lit. b, PDF-S. 32 «(z. B. Kreditkartenherausgeber oder Bank) übernommen werden (Subsidiarität)» Open document: AVB zur Haushaltversicherung smile.home (AVB HAU 2024.01), Risikoträger Helvetia; Privatrechtsschutz Coop Rechtsschutz (opens in a new window), retrieved 06.11.2026 |
| Online purchase | limited | CHF 5'000 | Shopping Premium: loss/damage in transit, non-delivery or wrong delivery; twice per year, each up to CHF 5'000; minimum value of goods CHF 50; jewellery/watches max. CHF 1'000 per year; subsidiary. | Where does it say so? (Online purchase)AVB zur Haushaltversicherung smile.home (AVB HAU 2024.01), Risikoträger Helvetia; Privatrechtsschutz Coop Rechtsschutz, Ausgabe Januar 2024, H.4.5.2, PDF-S. 31 «Der Mindestwarenwert beträgt CHF 50.» Open document: AVB zur Haushaltversicherung smile.home (AVB HAU 2024.01), Risikoträger Helvetia; Privatrechtsschutz Coop Rechtsschutz (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 zur Haushaltversicherung smile.home (AVB HAU 2024.01), Risikoträger Helvetia; Privatrechtsschutz Coop Rechtsschutz, Ausgabe Januar 2024, ganzes Dokument durchsucht Open document: AVB zur Haushaltversicherung smile.home (AVB HAU 2024.01), Risikoträger Helvetia; Privatrechtsschutz Coop Rechtsschutz (opens in a new window), retrieved 06.11.2026 |
| Identity theft | limited | CHF 5'000 | Compensation of financial losses from data misuse in financial and online transactions; no help in cleaning up your identity. | Where does it say so? (Identity theft)AVB zur Haushaltversicherung smile.home (AVB HAU 2024.01), Risikoträger Helvetia; Privatrechtsschutz Coop Rechtsschutz, Ausgabe Januar 2024, H.4.5.3 lit. a, PDF-S. 32 «Missbrauch von Daten der versicherten Person im Zusammenhang mit der Abwicklung» Open document: AVB zur Haushaltversicherung smile.home (AVB HAU 2024.01), Risikoträger Helvetia; Privatrechtsschutz Coop Rechtsschutz (opens in a new window), retrieved 06.11.2026 |
| Cyberbullying and defamation | add-on | CHF 50'000 | Not in the cyber add-on. In the optional private legal protection (Coop Rechtsschutz): legal disputes in the event of cyberbullying, threats, coercion or extortion via the internet up to CHF 50'000, without waiting period, plus a deletion service up to CHF 1'000. | Where does it say so? (Cyberbullying and defamation)AVB zur Haushaltversicherung smile.home (AVB HAU 2024.01), Risikoträger Helvetia; Privatrechtsschutz Coop Rechtsschutz, Ausgabe Januar 2024, R.2.14, PDF-S. 67 «Löschung persönlichkeitsverletzender Internetinhalte bis CHF 1‘000» Open document: AVB zur Haushaltversicherung smile.home (AVB HAU 2024.01), Risikoträger Helvetia; Privatrechtsschutz Coop Rechtsschutz (opens in a new window), retrieved 06.11.2026 |
| Data recovery | covered | CHF 5'000 | Restoration of data and software including removal of malware up to CHF 5'000 per event; no promise of success. | Where does it say so? (Data recovery)AVB zur Haushaltversicherung smile.home (AVB HAU 2024.01), Risikoträger Helvetia; Privatrechtsschutz Coop Rechtsschutz, Ausgabe Januar 2024, H.4.5.1, PDF-S. 30 «Die Leistungen sind jeweils auf CHF 5‘000 pro Ereignis» Open document: AVB zur Haushaltversicherung smile.home (AVB HAU 2024.01), Risikoträger Helvetia; Privatrechtsschutz Coop Rechtsschutz (opens in a new window), retrieved 06.11.2026 |
| Extortion | add-on | CHF 50'000 | No ransom. Legal protection in the event of extortion via the internet only in the optional private legal protection. | Where does it say so? (Extortion)AVB zur Haushaltversicherung smile.home (AVB HAU 2024.01), Risikoträger Helvetia; Privatrechtsschutz Coop Rechtsschutz, Ausgabe Januar 2024, R.2.14, PDF-S. 67 «Cyber-Mobbing, Drohung, Nötigung oder Erpressung» Open document: AVB zur Haushaltversicherung smile.home (AVB HAU 2024.01), Risikoträger Helvetia; Privatrechtsschutz Coop Rechtsschutz (opens in a new window), retrieved 06.11.2026 |
| Hacked accounts | no information | not stated | Not regulated in the conditions. | Where does it say so? (Hacked accounts)AVB zur Haushaltversicherung smile.home (AVB HAU 2024.01), Risikoträger Helvetia; Privatrechtsschutz Coop Rechtsschutz, Ausgabe Januar 2024, ganzes Dokument durchsucht Open document: AVB zur Haushaltversicherung smile.home (AVB HAU 2024.01), Risikoträger Helvetia; Privatrechtsschutz Coop Rechtsschutz (opens in a new window), retrieved 06.11.2026 |
| Internet legal protection | add-on | CHF 50'000 | Private legal protection (if agreed): victim of card misuse, phishing, hacking, skimming and cyberbullying, each up to CHF 50'000, without waiting period. | Where does it say so? (Internet legal protection)AVB zur Haushaltversicherung smile.home (AVB HAU 2024.01), Risikoträger Helvetia; Privatrechtsschutz Coop Rechtsschutz, Ausgabe Januar 2024, R.2.13, PDF-S. 67 «Opfer von Kreditkartenmissbrauch, Phishing» Open document: AVB zur Haushaltversicherung smile.home (AVB HAU 2024.01), Risikoträger Helvetia; Privatrechtsschutz Coop Rechtsschutz (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)AVB zur Haushaltversicherung smile.home (AVB HAU 2024.01), Risikoträger Helvetia; Privatrechtsschutz Coop Rechtsschutz, Ausgabe Januar 2024, ganzes Dokument durchsucht Open document: AVB zur Haushaltversicherung smile.home (AVB HAU 2024.01), Risikoträger Helvetia; Privatrechtsschutz Coop Rechtsschutz (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 zur Haushaltversicherung smile.home (AVB HAU 2024.01), Risikoträger Helvetia; Privatrechtsschutz Coop Rechtsschutz, Ausgabe Januar 2024, ganzes Dokument durchsucht Open document: AVB zur Haushaltversicherung smile.home (AVB HAU 2024.01), Risikoträger Helvetia; Privatrechtsschutz Coop Rechtsschutz (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 zur Haushaltversicherung smile.home (AVB HAU 2024.01), Risikoträger Helvetia; Privatrechtsschutz Coop Rechtsschutz, Ausgabe Januar 2024, ganzes Dokument durchsucht Open document: AVB zur Haushaltversicherung smile.home (AVB HAU 2024.01), Risikoträger Helvetia; Privatrechtsschutz Coop Rechtsschutz (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.