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What does Swisscard cover?

Swisscard AECS GmbH (American Express, Mastercard, Visa, Cashback Cards and others) (Card issuer): we read no business products and 2 private products, plus 3 rules on refunds.

As of

On this page
  1. For private customers
  2. Refunds

For private customers

Cyber Security-Versicherung (optional for the Swisscard credit/charge card)

Swisscard

Policy terms: gültig ab Januar 2024 (2301G_01.2024)

CHF 94.80

  • Misuse of card, Twint, e-banking limited

    Limit CHF 20'000. Online account protection: loss through unlawful access to a Swiss postal/bank account, card or mobile device after theft of access data. Only the part that the insured person has to bear themselves; no protection as long as the bank has not refused in writing to cover the loss. Immediate blocking and a police report required.

  • Online purchase covered

    Limit CHF 20'000. Online purchase protection for movable property: non-delivery, partial delivery, damage in transit, false description, refused return. Report within 72 hours. Replacement value, at most the purchase price.

  • Online sale no information

    No cover in the GTC for non-payment in connection with an online sale.

  • Identity theft unclear

    «Identity misuse» is mentioned in the definitions, but there is no separate benefit for it; conceivable via legal protection for computer and internet offences (A) or online account protection (C).

  • Cyberbullying and defamation covered

    Limit CHF 20'000. Technical and psychological support in the event of a violation of personality rights on the internet: IT specialists for deletion up to CHF 20'000, psychological support up to CHF 3'000. A criminal complaint is mandatory; violations of personality rights by ex-partners excluded.

  • Data recovery covered

    Limit CHF 5'000. Data Recovery and removal of malware for private mobile phones, tablets, notebooks, PCs; at most 2 cases per calendar year.

  • Extortion no information

    No ransom or extortion cover; only removal of malware under Data Recovery.

  • Hacked accounts no information

    Online account protection only concerns postal/bank accounts, cards and mobile devices, not social media, mail or shop accounts.

  • Internet legal protection covered

    Limit CHF 20'000. CAP legal protection for computer and internet offences, violations of personality rights and copyright on the internet. Disputes arising from online purchase contracts are not named as a separate case.

  • Liability on the internet no information

    Not regulated in the conditions.

  • Smart home no information

    Not regulated in the conditions.

  • IT help without a loss no information

    Only a claims call centre, no IT help without a loss.

Key facts and terms
Price
CHF 94.80
Type
Bundle or add-on to the card
Deductible
not stated

CHF 7.90 per month according to the application form (2301G/04.2023); annual figure calculated by us (12 × 7.90). Monthly renewal after the first year.

Exclusions (3)

Exclusions

All values as a table
What Swisscard covers in “Cyber Security-Versicherung (optional for the Swisscard credit/charge card)”
ModuleStatusLimitWhat appliesSource
Misuse of card, Twint, e-banking limited CHF 20'000 Online account protection: loss through unlawful access to a Swiss postal/bank account, card or mobile device after theft of access data. Only the part that the insured person has to bear themselves; no protection as long as the bank has not refused in writing to cover the loss. Immediate blocking and a police report required.
Where does it say so? (Misuse of card, Twint, e-banking)

Versicherungsbedingungen der Cyber Security-Versicherung zu den Charge- und Kreditkarten der Swisscard AECS GmbH, gültig ab Januar 2024, IV. BVB C Online-Kontoschutz, Ziff. 1.3

«Versichert ist der im Versicherungsfall aufgrund gesetzlicher oder vertraglicher Bestimmungen von der versicherten Person selbst zu tragende Vermögensschaden.»

Open document: Versicherungsbedingungen der Cyber Security-Versicherung zu den Charge- und Kreditkarten der Swisscard AECS GmbH (opens in a new window), retrieved 06.11.2026
Online purchase covered CHF 20'000 Online purchase protection for movable property: non-delivery, partial delivery, damage in transit, false description, refused return. Report within 72 hours. Replacement value, at most the purchase price.
Where does it say so? (Online purchase)

Versicherungsbedingungen der Cyber Security-Versicherung zu den Charge- und Kreditkarten der Swisscard AECS GmbH, gültig ab Januar 2024, IV. BVB D Online-Kaufschutz, Ziff. 1.1

«vom Verkäufer definitiv nicht bzw. nur in Teilen geliefert werden»

Open document: Versicherungsbedingungen der Cyber Security-Versicherung zu den Charge- und Kreditkarten der Swisscard AECS GmbH (opens in a new window), retrieved 06.11.2026
Online sale no information not stated No cover in the GTC for non-payment in connection with an online sale.
Where does it say so? (Online sale)

Versicherungsbedingungen der Cyber Security-Versicherung zu den Charge- und Kreditkarten der Swisscard AECS GmbH, gültig ab Januar 2024 (2301G_01.2024), ganzes Dokument durchsucht

Open document: Versicherungsbedingungen der Cyber Security-Versicherung zu den Charge- und Kreditkarten der Swisscard AECS GmbH (opens in a new window), retrieved 06.11.2026
Identity theft unclear not stated «Identity misuse» is mentioned in the definitions, but there is no separate benefit for it; conceivable via legal protection for computer and internet offences (A) or online account protection (C).
Where does it say so? (Identity theft)

Versicherungsbedingungen der Cyber Security-Versicherung zu den Charge- und Kreditkarten der Swisscard AECS GmbH, gültig ab Januar 2024 (2301G_01.2024), ganzes Dokument durchsucht

Open document: Versicherungsbedingungen der Cyber Security-Versicherung zu den Charge- und Kreditkarten der Swisscard AECS GmbH (opens in a new window), retrieved 06.11.2026
Cyberbullying and defamation covered CHF 20'000 Technical and psychological support in the event of a violation of personality rights on the internet: IT specialists for deletion up to CHF 20'000, psychological support up to CHF 3'000. A criminal complaint is mandatory; violations of personality rights by ex-partners excluded.
Where does it say so? (Cyberbullying and defamation)

Versicherungsbedingungen der Cyber Security-Versicherung zu den Charge- und Kreditkarten der Swisscard AECS GmbH, gültig ab Januar 2024, IV. BVB B, Ziff. 1 und 3.6

«Versichert ist die Verletzung der Persönlichkeit der versicherten Person durch Dritte im Internet wie z.B. in sozialen Online-Netzwerken.»

Open document: Versicherungsbedingungen der Cyber Security-Versicherung zu den Charge- und Kreditkarten der Swisscard AECS GmbH (opens in a new window), retrieved 06.11.2026
Data recovery covered CHF 5'000 Data Recovery and removal of malware for private mobile phones, tablets, notebooks, PCs; at most 2 cases per calendar year.
Where does it say so? (Data recovery)

Versicherungsbedingungen der Cyber Security-Versicherung zu den Charge- und Kreditkarten der Swisscard AECS GmbH, gültig ab Januar 2024, IV. BVB E Data Recovery, Ziff. 1

«Der Versicherungsschutz ist auf insgesamt zwei Versicherungsfälle pro Kalenderjahr beschränkt.»

Open document: Versicherungsbedingungen der Cyber Security-Versicherung zu den Charge- und Kreditkarten der Swisscard AECS GmbH (opens in a new window), retrieved 06.11.2026
Extortion no information not stated No ransom or extortion cover; only removal of malware under Data Recovery.
Where does it say so? (Extortion)

Versicherungsbedingungen der Cyber Security-Versicherung zu den Charge- und Kreditkarten der Swisscard AECS GmbH, gültig ab Januar 2024 (2301G_01.2024), ganzes Dokument durchsucht

Open document: Versicherungsbedingungen der Cyber Security-Versicherung zu den Charge- und Kreditkarten der Swisscard AECS GmbH (opens in a new window), retrieved 06.11.2026
Hacked accounts no information not stated Online account protection only concerns postal/bank accounts, cards and mobile devices, not social media, mail or shop accounts.
Where does it say so? (Hacked accounts)

Versicherungsbedingungen der Cyber Security-Versicherung zu den Charge- und Kreditkarten der Swisscard AECS GmbH, gültig ab Januar 2024 (2301G_01.2024), ganzes Dokument durchsucht

Open document: Versicherungsbedingungen der Cyber Security-Versicherung zu den Charge- und Kreditkarten der Swisscard AECS GmbH (opens in a new window), retrieved 06.11.2026
Internet legal protection covered CHF 20'000 CAP legal protection for computer and internet offences, violations of personality rights and copyright on the internet. Disputes arising from online purchase contracts are not named as a separate case.
Where does it say so? (Internet legal protection)

Versicherungsbedingungen der Cyber Security-Versicherung zu den Charge- und Kreditkarten der Swisscard AECS GmbH, gültig ab Januar 2024, IV. BVB A, Ziff. 1.1

«Einfordern von Schadenersatz, wenn die versicherte Person Opfer eines Computer- oder Internetdelikts wird.»

Open document: Versicherungsbedingungen der Cyber Security-Versicherung zu den Charge- und Kreditkarten der Swisscard AECS GmbH (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)

Versicherungsbedingungen der Cyber Security-Versicherung zu den Charge- und Kreditkarten der Swisscard AECS GmbH, gültig ab Januar 2024 (2301G_01.2024), ganzes Dokument durchsucht

Open document: Versicherungsbedingungen der Cyber Security-Versicherung zu den Charge- und Kreditkarten der Swisscard AECS GmbH (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)

Versicherungsbedingungen der Cyber Security-Versicherung zu den Charge- und Kreditkarten der Swisscard AECS GmbH, gültig ab Januar 2024 (2301G_01.2024), ganzes Dokument durchsucht

Open document: Versicherungsbedingungen der Cyber Security-Versicherung zu den Charge- und Kreditkarten der Swisscard AECS GmbH (opens in a new window), retrieved 06.11.2026
IT help without a loss no information not stated Only a claims call centre, no IT help without a loss.
Where does it say so? (IT help without a loss)

Versicherungsbedingungen der Cyber Security-Versicherung zu den Charge- und Kreditkarten der Swisscard AECS GmbH, gültig ab Januar 2024 (2301G_01.2024), ganzes Dokument durchsucht

Open document: Versicherungsbedingungen der Cyber Security-Versicherung zu den Charge- und Kreditkarten der Swisscard AECS GmbH (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.

Shopping-Versicherung (Classic, Premium, Exclusive) with the module «Safe online»

Swisscard

Policy terms: gültig ab Mai 2023 (2301P/05.2023)

CHF 48.60

  • Misuse of card, Twint, e-banking no information

    Not regulated in the conditions.

  • Online purchase limited

    Limit CHF 3'000. Safe online: CHF 1'000 (Classic), 2'000 (Premium), 3'000 (Exclusive) per insurance year; at least 80% paid with the card, minimum value of goods CHF 50. Goods from online auctions are excluded.

  • Online sale no information

    Not regulated in the conditions.

  • Identity theft no information

    Not regulated in the conditions.

  • Cyberbullying and defamation no information

    Not regulated in the conditions.

  • Data recovery no information

    Not regulated in the conditions.

  • Extortion no information

    Not regulated in the conditions.

  • Hacked accounts no information

    Not regulated in the conditions.

  • Internet legal protection no information

    Not regulated in the conditions.

  • Liability on the internet no information

    Not regulated in the conditions.

  • 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
CHF 48.60
Type
Bundle or add-on to the card
Deductible
not stated

Classic CHF 4.05, Premium CHF 5.75, Exclusive CHF 7.50 per month (application form 2301P/04.2023); annual figure for Classic calculated by us.

Exclusions (1)

Exclusions

All values as a table
What Swisscard covers in “Shopping-Versicherung (Classic, Premium, Exclusive) with the module «Safe online»”
ModuleStatusLimitWhat appliesSource
Misuse of card, Twint, e-banking no information not stated Not regulated in the conditions.
Where does it say so? (Misuse of card, Twint, e-banking)

Versicherungsbedingungen der optionalen Shopping-Versicherung zu den Charge- und Kreditkarten der Swisscard AECS GmbH, gültig ab Mai 2023 (2301P/05.2023), ganzes Dokument durchsucht

Open document: Versicherungsbedingungen der optionalen Shopping-Versicherung zu den Charge- und Kreditkarten der Swisscard AECS GmbH (opens in a new window), retrieved 06.11.2026
Online purchase limited CHF 3'000 Safe online: CHF 1'000 (Classic), 2'000 (Premium), 3'000 (Exclusive) per insurance year; at least 80% paid with the card, minimum value of goods CHF 50. Goods from online auctions are excluded.
Where does it say so? (Online purchase)

Versicherungsbedingungen der optionalen Shopping-Versicherung zu den Charge- und Kreditkarten der Swisscard AECS GmbH, gültig ab Mai 2023, IV.) D. Safe online, Ziff. 1.1 und 4.1

«Versichert sind bewegliche Gegenstände, welche über das Internet gekauft und mit einer Karte, für welche die Versicherung Gültigkeit hat, zu mindestens 80% bezahlt worden sind.»

Open document: Versicherungsbedingungen der optionalen Shopping-Versicherung zu den Charge- und Kreditkarten der Swisscard AECS GmbH (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)

Versicherungsbedingungen der optionalen Shopping-Versicherung zu den Charge- und Kreditkarten der Swisscard AECS GmbH, gültig ab Mai 2023 (2301P/05.2023), ganzes Dokument durchsucht

Open document: Versicherungsbedingungen der optionalen Shopping-Versicherung zu den Charge- und Kreditkarten der Swisscard AECS GmbH (opens in a new window), retrieved 06.11.2026
Identity theft no information not stated Not regulated in the conditions.
Where does it say so? (Identity theft)

Versicherungsbedingungen der optionalen Shopping-Versicherung zu den Charge- und Kreditkarten der Swisscard AECS GmbH, gültig ab Mai 2023 (2301P/05.2023), ganzes Dokument durchsucht

Open document: Versicherungsbedingungen der optionalen Shopping-Versicherung zu den Charge- und Kreditkarten der Swisscard AECS GmbH (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)

Versicherungsbedingungen der optionalen Shopping-Versicherung zu den Charge- und Kreditkarten der Swisscard AECS GmbH, gültig ab Mai 2023 (2301P/05.2023), ganzes Dokument durchsucht

Open document: Versicherungsbedingungen der optionalen Shopping-Versicherung zu den Charge- und Kreditkarten der Swisscard AECS GmbH (opens in a new window), retrieved 06.11.2026
Data recovery no information not stated Not regulated in the conditions.
Where does it say so? (Data recovery)

Versicherungsbedingungen der optionalen Shopping-Versicherung zu den Charge- und Kreditkarten der Swisscard AECS GmbH, gültig ab Mai 2023 (2301P/05.2023), ganzes Dokument durchsucht

Open document: Versicherungsbedingungen der optionalen Shopping-Versicherung zu den Charge- und Kreditkarten der Swisscard AECS GmbH (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)

Versicherungsbedingungen der optionalen Shopping-Versicherung zu den Charge- und Kreditkarten der Swisscard AECS GmbH, gültig ab Mai 2023 (2301P/05.2023), ganzes Dokument durchsucht

Open document: Versicherungsbedingungen der optionalen Shopping-Versicherung zu den Charge- und Kreditkarten der Swisscard AECS GmbH (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)

Versicherungsbedingungen der optionalen Shopping-Versicherung zu den Charge- und Kreditkarten der Swisscard AECS GmbH, gültig ab Mai 2023 (2301P/05.2023), ganzes Dokument durchsucht

Open document: Versicherungsbedingungen der optionalen Shopping-Versicherung zu den Charge- und Kreditkarten der Swisscard AECS GmbH (opens in a new window), retrieved 06.11.2026
Internet legal protection no information not stated Not regulated in the conditions.
Where does it say so? (Internet legal protection)

Versicherungsbedingungen der optionalen Shopping-Versicherung zu den Charge- und Kreditkarten der Swisscard AECS GmbH, gültig ab Mai 2023 (2301P/05.2023), ganzes Dokument durchsucht

Open document: Versicherungsbedingungen der optionalen Shopping-Versicherung zu den Charge- und Kreditkarten der Swisscard AECS GmbH (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)

Versicherungsbedingungen der optionalen Shopping-Versicherung zu den Charge- und Kreditkarten der Swisscard AECS GmbH, gültig ab Mai 2023 (2301P/05.2023), ganzes Dokument durchsucht

Open document: Versicherungsbedingungen der optionalen Shopping-Versicherung zu den Charge- und Kreditkarten der Swisscard AECS GmbH (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)

Versicherungsbedingungen der optionalen Shopping-Versicherung zu den Charge- und Kreditkarten der Swisscard AECS GmbH, gültig ab Mai 2023 (2301P/05.2023), ganzes Dokument durchsucht

Open document: Versicherungsbedingungen der optionalen Shopping-Versicherung zu den Charge- und Kreditkarten der Swisscard AECS GmbH (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)

Versicherungsbedingungen der optionalen Shopping-Versicherung zu den Charge- und Kreditkarten der Swisscard AECS GmbH, gültig ab Mai 2023 (2301P/05.2023), ganzes Dokument durchsucht

Open document: Versicherungsbedingungen der optionalen Shopping-Versicherung zu den Charge- und Kreditkarten der Swisscard AECS GmbH (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.

When do you get your money back?

This is how the terms of Swisscard deal with misuse of a card, account or app.

The bank first: private products pay only what the bank or card issuer does not cover (Mobiliar at most 3 events per year; Zurich only after the bank’s written refusal). Block the card immediately and file a report.

Where does it say so?

Haushalt- und Gebäudeversicherung, Kundeninformationen und Allgemeine Bedingungen (Hausrat, Wertsachen, Privathaftpflicht, Gebäude, Haustiere, Cyberversicherung, Vertragsrechtsschutz), Ausgabe 04.2025, Art. B Ziff. 5, PDF-S. 42

«Versichert sind maximal 3 Schadenereignisse pro Versicherungsjahr.»

Open document: Haushalt- und Gebäudeversicherung, Kundeninformationen und Allgemeine Bedingungen (Hausrat, Wertsachen, Privathaftpflicht, Gebäude, Haustiere, Cyberversicherung, Vertragsrechtsschutz) (opens in a new window), retrieved 06.11.2026

  • unauthorised payment, card stolen/lost

    Deadline: 30 days Deductible: not stated

    The rule in full

    Swisscard only covers charges from misuse by third parties if the customer has breached neither the T&C nor the duties of care and is not at fault. Excluded as soon as the transaction was made with PIN, mTAN or 3-D Secure (section 11.4 a), and in the event of misuse by persons close to the cardholder. Conditions: keep the PIN separately and do not write it down, block the card immediately, police report if misuse is suspected, written loss report within 30 days of the invoice date, form within 10 days. Claims must be assigned to Swisscard.

    Where does it say so? (unauthorised payment, card stolen/lost)

    Allgemeine Geschäftsbedingungen für Kreditkarten der Swisscard AECS GmbH im Bereich Privatkunden, 01/2021, Ziff. 11.3 (Fristen: Ziff. 10.1 Bst. d und f)

    «Vorbehältlich Ziff. 11.4 übernimmt Swisscard Belastungen aus missbräuchlicher Verwendung der Karte durch Dritte, sofern dieser Kartenmissbrauch nicht durch eine Verletzung dieser AGB»

    Open document: Allgemeine Geschäftsbedingungen für Kreditkarten der Swisscard AECS GmbH im Bereich Privatkunden (opens in a new window), retrieved 06.11.2026

  • unauthorised payment, card data hacked/copied (card-not-present, skimming)

    Deadline: 30 days Deductible: not stated

    The rule in full

    Swisscard covers pure card data transactions without an additional means of authentication under section 11.3 if the customer has fulfilled all obligations (among others, protecting the device with a lock, an up-to-date operating system and antivirus, section 10.1 k). The 3-D Secure conditions additionally require that the misuse is proven. Skimming with PIN entry falls under the exclusion in section 11.4 a.

    Where does it say so? (unauthorised payment, card data hacked/copied (card-not-present, skimming))

    Besondere Bedingungen der Swisscard AECS GmbH für die Benutzung von 3-D Secure, Version 05/2024, Ziff. 4.5

    «übernimmt die Herausgeberin Belastungen aus nachgewiesener missbräuchlicher Verwendung der Karte durch Dritte»

    Open document: Besondere Bedingungen der Swisscard AECS GmbH für die Benutzung von 3-D Secure (opens in a new window), retrieved 06.11.2026

  • payment approved by the customer (3-D Secure approval after phishing, code passed on, investment fraud, love scam)

    Deadline: 30 days Deductible: not stated

    The rule in full

    No coverage. Transactions approved with 3-D Secure are deemed authorised; the T&C exclude losses if at least one additional means of authentication was used. Swisscard rejects any responsibility for the transaction itself (e.g. investment fraud) (section 11.2).

    Where does it say so? (payment approved by the customer (3-D Secure approval after phishing, code passed on, investment fraud, love scam))

    Allgemeine Geschäftsbedingungen für Kreditkarten der Swisscard AECS GmbH im Bereich Privatkunden, 01/2021, Ziff. 11.4 Bst. a (vgl. 3-D-Secure-Bedingungen Ziff. 1.4)

    «wenn die fragliche Transaktion … mit mindestens einem zusätzlichen Legitimationsmittel (z. B. PIN-Code, mTAN, 3-D Secure, Swisscard Digital Services) durchgeführt wurde.»

    Open document: Allgemeine Geschäftsbedingungen für Kreditkarten der Swisscard AECS GmbH im Bereich Privatkunden (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