Easy Cyber Insurance
Swisscom
Policy terms: Ausgabe 09.2025
CHF 94.80
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Misuse of card, Twint, e-banking limited
Limit CHF 20'000. Only legal protection (AXA-ARAG) up to CHF 20'000, also in disputes with Swiss credit card companies after card misuse; no compensation of the lost money. Not: voluntarily made payments (romance scam, grandparent scam), crypto.
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Online purchase limited
Limit CHF 20'000. Only legal protection in the event of non-delivery, partial, wrong or defective delivery; no compensation of the purchase price.
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Online sale unclear
Limit CHF 20'000. As with AXA Cyber Plus, not expressly regulated.
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Identity theft limited
Limit CHF 20'000. Legal protection in the event of identity misuse (deletion of data, claims against third parties, criminal complaint).
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Cyberbullying and defamation limited
Limit CHF 20'000. Legal protection: cease-and-desist letter, criminal complaint, claims for removal and damages up to CHF 20'000.
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Data recovery covered
Limit CHF 3'000. Data recovery, reinstalling, virus removal or resetting; replacement device (current value) in the event of a keylogger lock; max. 2 events per year, CHF 3'000 each, without deductible.
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Extortion limited
Limit CHF 3'000. Extortion payments excluded; virus removal and data recovery up to CHF 3'000.
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Hacked accounts limited
Limit CHF 20'000. Legal protection in the event of misuse of online accounts (e-banking, TWINT, webshops, e-mail).
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Internet legal protection covered
Limit CHF 20'000. AXA-ARAG internet legal protection up to CHF 20'000 per legal case, without deductible.
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Liability on the internet limited
Limit CHF 20'000. Only legal costs: defence against claims for damages and criminal defence in copyright law and when sharing criminal content.
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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 94.80
- Type
- Bundle or add-on to the card
- Deductible
- none
CHF 7.90 per month (product page); annual figure calculated by us (12 × 7.90). Term of one year, monthly payment via the Swisscom bill; all persons in the household are insured. Internet legal protection, no compensation of financial losses.
Exclusions (2)
Exclusions
- Voluntarily made payments (romance scam, grandparent scam) and extortion payments.
Where does it say so? (exclusion)
Bestimmungen Easy Cyber Insurance (Kollektivversicherung, Versicherer AXA-ARAG), Ausgabe 09.2025, B.1.1, PDF-S. 1
«freiwillig geleisteter Zahlungen (z.B. Romance Scam, Enkeltrick, etc.)»
Open document: Bestimmungen Easy Cyber Insurance (Kollektivversicherung, Versicherer AXA-ARAG) (opens in a new window), retrieved 06.11.2026
- Cryptocurrencies and crypto wallets.
Where does it say so? (exclusion)
Bestimmungen Easy Cyber Insurance (Kollektivversicherung, Versicherer AXA-ARAG), Ausgabe 09.2025, B.1.1, PDF-S. 1
«Kryptowährungen und Krypto-Wallets»
Open document: Bestimmungen Easy Cyber Insurance (Kollektivversicherung, Versicherer AXA-ARAG) (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 | Only legal protection (AXA-ARAG) up to CHF 20'000, also in disputes with Swiss credit card companies after card misuse; no compensation of the lost money. Not: voluntarily made payments (romance scam, grandparent scam), crypto. | Where does it say so? (Misuse of card, Twint, e-banking)Bestimmungen Easy Cyber Insurance (Kollektivversicherung, Versicherer AXA-ARAG), Ausgabe 09.2025, B.1.1, PDF-S. 1 «Streitigkeiten aus Verträgen mit schweizerischen Kreditkartenunternehmen» Open document: Bestimmungen Easy Cyber Insurance (Kollektivversicherung, Versicherer AXA-ARAG) (opens in a new window), retrieved 06.11.2026 |
| Online purchase | limited | CHF 20'000 | Only legal protection in the event of non-delivery, partial, wrong or defective delivery; no compensation of the purchase price. | Where does it say so? (Online purchase)Bestimmungen Easy Cyber Insurance (Kollektivversicherung, Versicherer AXA-ARAG), Ausgabe 09.2025, B.2, PDF-S. 2 «CHF 20’000 pro Rechtsfall je Anschlussvertrag, ohne Selbstbehalt» Open document: Bestimmungen Easy Cyber Insurance (Kollektivversicherung, Versicherer AXA-ARAG) (opens in a new window), retrieved 06.11.2026 |
| Online sale | unclear | CHF 20'000 | As with AXA Cyber Plus, not expressly regulated. | Where does it say so? (Online sale)Bestimmungen Easy Cyber Insurance (Kollektivversicherung, Versicherer AXA-ARAG), Ausgabe 09.2025, B.1.3, PDF-S. 1–2 Open document: Bestimmungen Easy Cyber Insurance (Kollektivversicherung, Versicherer AXA-ARAG) (opens in a new window), retrieved 06.11.2026 |
| Identity theft | limited | CHF 20'000 | Legal protection in the event of identity misuse (deletion of data, claims against third parties, criminal complaint). | Where does it say so? (Identity theft)Bestimmungen Easy Cyber Insurance (Kollektivversicherung, Versicherer AXA-ARAG), Ausgabe 09.2025, B.1.1, PDF-S. 1 «Missbräuchliche Verwendung von Identitäts- und Authentifizierungselementen (Identitätsmissbrauch)» Open document: Bestimmungen Easy Cyber Insurance (Kollektivversicherung, Versicherer AXA-ARAG) (opens in a new window), retrieved 06.11.2026 |
| Cyberbullying and defamation | limited | CHF 20'000 | Legal protection: cease-and-desist letter, criminal complaint, claims for removal and damages up to CHF 20'000. | Where does it say so? (Cyberbullying and defamation)Bestimmungen Easy Cyber Insurance (Kollektivversicherung, Versicherer AXA-ARAG), Ausgabe 09.2025, B.1.2, PDF-S. 1 «Aufforderung unter Androhung rechtlicher Konsequenzen» Open document: Bestimmungen Easy Cyber Insurance (Kollektivversicherung, Versicherer AXA-ARAG) (opens in a new window), retrieved 06.11.2026 |
| Data recovery | covered | CHF 3'000 | Data recovery, reinstalling, virus removal or resetting; replacement device (current value) in the event of a keylogger lock; max. 2 events per year, CHF 3'000 each, without deductible. | Where does it say so? (Data recovery)Bestimmungen Easy Cyber Insurance (Kollektivversicherung, Versicherer AXA-ARAG), Ausgabe 09.2025, C.2, PDF-S. 3 «maximal 2 Ereignisse pro Versicherungsjahr bis je CHF 3’000.–, ohne Selbstbehalt» Open document: Bestimmungen Easy Cyber Insurance (Kollektivversicherung, Versicherer AXA-ARAG) (opens in a new window), retrieved 06.11.2026 |
| Extortion | limited | CHF 3'000 | Extortion payments excluded; virus removal and data recovery up to CHF 3'000. | Where does it say so? (Extortion)Bestimmungen Easy Cyber Insurance (Kollektivversicherung, Versicherer AXA-ARAG), Ausgabe 09.2025, B.1.1, PDF-S. 1 «Schäden infolge Zahlung von Erpressungsgeldern» Open document: Bestimmungen Easy Cyber Insurance (Kollektivversicherung, Versicherer AXA-ARAG) (opens in a new window), retrieved 06.11.2026 |
| Hacked accounts | limited | CHF 20'000 | Legal protection in the event of misuse of online accounts (e-banking, TWINT, webshops, e-mail). | Where does it say so? (Hacked accounts)Bestimmungen Easy Cyber Insurance (Kollektivversicherung, Versicherer AXA-ARAG), Ausgabe 09.2025, B.1.1, PDF-S. 1 «Online-Konten (z.B. eBanking, mobile Banking wie TWINT» Open document: Bestimmungen Easy Cyber Insurance (Kollektivversicherung, Versicherer AXA-ARAG) (opens in a new window), retrieved 06.11.2026 |
| Internet legal protection | covered | CHF 20'000 | AXA-ARAG internet legal protection up to CHF 20'000 per legal case, without deductible. | Where does it say so? (Internet legal protection)Bestimmungen Easy Cyber Insurance (Kollektivversicherung, Versicherer AXA-ARAG), Ausgabe 09.2025, B.2, PDF-S. 2 «CHF 20’000 pro Rechtsfall je Anschlussvertrag, ohne Selbstbehalt» Open document: Bestimmungen Easy Cyber Insurance (Kollektivversicherung, Versicherer AXA-ARAG) (opens in a new window), retrieved 06.11.2026 |
| Liability on the internet | limited | CHF 20'000 | Only legal costs: defence against claims for damages and criminal defence in copyright law and when sharing criminal content. | Where does it say so? (Liability on the internet)Bestimmungen Easy Cyber Insurance (Kollektivversicherung, Versicherer AXA-ARAG), Ausgabe 09.2025, B.1.2, PDF-S. 1 «Abwehr von Schadenersatzansprüchen und die Strafverteidigung» Open document: Bestimmungen Easy Cyber Insurance (Kollektivversicherung, Versicherer AXA-ARAG) (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)Bestimmungen Easy Cyber Insurance (Kollektivversicherung, Versicherer AXA-ARAG), Ausgabe 09.2025, ganzes Dokument durchsucht Open document: Bestimmungen Easy Cyber Insurance (Kollektivversicherung, Versicherer AXA-ARAG) (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)Bestimmungen Easy Cyber Insurance (Kollektivversicherung, Versicherer AXA-ARAG), Ausgabe 09.2025, ganzes Dokument durchsucht Open document: Bestimmungen Easy Cyber Insurance (Kollektivversicherung, Versicherer AXA-ARAG) (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.