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What does TCS cover?

TCS Touring Club Schweiz (intermediary; risk carriers Assista Rechtsschutz AG, TCS Assurances SA, bolttech) (Bundle via a telecom provider or association): we read no business products and 2 private products.

As of

On this page
  1. For private customers

For private customers

TCS Cyber-Schutzbrief (legal protection Assista + compensation TAS + technology bolttech)

TCS

Policy terms: Produktversion 2025, Ausgabe 01.2025

only via the provider’s calculator

  • Misuse of card, Twint, e-banking limited

    Limit CHF 5'000. In the event of misuse of bank, postal account or card data on the internet, TAS pays the proven financial loss up to CHF 5'000 (subsidiary: only to the extent that the bank, an insurer or third parties are not obliged to pay). For irregularities with card issuers, PayPal, Twint, Apple Pay also up to CHF 5'000, deductible CHF 150. Important: for these cases there is only legal advice by telephone, no lawyer for a dispute with the bank (section 13.2). Misuse after theft/loss of the physical card not covered. Limit = compensation.

  • Online purchase limited

    Limit CHF 300'000. Fraud, non-delivery or wrong delivery from an online purchase. Purchase price up to CHF 1'000: only compensation up to CHF 1'000 (deductible CHF 150), no lawyer. CHF 1'000–20'000: legal protection up to CHF 300'000, plus compensation up to CHF 1'000 if there is no better outcome. Over CHF 20'000: only legal advice. Limit = legal costs (cases CHF 1'000–20'000).

  • Online sale limited

    Limit CHF 300'000. The catalogue names «purchase/sale of movable property» (excluding motor vehicles); same price levels as for online purchases (up to CHF 1'000 compensation, CHF 1'000–20'000 legal protection).

  • Identity theft covered

    Limit CHF 5'000. Misuse of your internet identity for contracts in your name: technical help, legal advice, compensation of financial loss up to CHF 5'000 (limit). Misuse to damage your reputation: legal protection up to CHF 300'000 (civil law only). Monitoring via TCS ID Protect.

  • Cyberbullying and defamation covered

    Limit CHF 300'000. Serious violation of personality rights on the internet: legal protection up to CHF 300'000 (criminal law interventions up to CHF 5'000), technical help with removing content (section 13.1.3 let. d). No compensation, no psychological help named.

  • Data recovery covered

    Limit CHF 2'000. Data recovery and removal of malware (max. 4 devices per event) on PC, laptop, mobile phone, tablet, storage media. In the event of irreversible damage to the device, compensation up to CHF 2'000 according to a current value table (nothing from the 6th year), software at new value.

  • Extortion covered

    Limit CHF 300'000. Online extortion (e.g. sextortion): legal protection up to CHF 300'000 and technical help. Ransom is expressly excluded (section 14 let. h).

  • Hacked accounts covered

    Telephone support by bolttech after a cyber attack; product page: secure accounts, change passwords. Only applies after a covered event.

  • Internet legal protection limited

    Limit CHF 300'000. Legal protection (Assista) only for identity misuse with reputational damage, cyberbullying/threats/extortion, the right to one’s own image and online purchases of CHF 1'000–20'000. For account/card misuse and online payments only legal advice. Limit CHF 300'000 (CH/EU/UK/EFTA), otherwise CHF 50'000.

  • Liability on the internet not covered

    Defence against third-party liability claims is excluded.

  • Smart home not covered

    Only PC, laptop, mobile phone, tablet, storage media are covered (exhaustive). The bolttech conditions exclude smart home devices from technical help.

  • IT help without a loss covered

    Prevention and ID monitoring (TCS ID Protect), legal information by telephone even without a claim; according to the product page, 24/7 assessment of suspicious messages.

Key facts and terms
Price
only via the provider’s calculator
Type
Bundle or add-on to the card
Deductible
CHF 150

Price only via the calculator («Jetzt Prämie berechnen» on tcs.ch). Individual or family cover; can also be taken out without TCS membership; card blocking service only for TCS members.

Exclusions (6)

Exclusions

All values as a table
What TCS covers in “TCS Cyber-Schutzbrief (legal protection Assista + compensation TAS + technology bolttech)”
ModuleStatusLimitWhat appliesSource
Misuse of card, Twint, e-banking limited CHF 5'000 In the event of misuse of bank, postal account or card data on the internet, TAS pays the proven financial loss up to CHF 5'000 (subsidiary: only to the extent that the bank, an insurer or third parties are not obliged to pay). For irregularities with card issuers, PayPal, Twint, Apple Pay also up to CHF 5'000, deductible CHF 150. Important: for these cases there is only legal advice by telephone, no lawyer for a dispute with the bank (section 13.2). Misuse after theft/loss of the physical card not covered. Limit = compensation.
Where does it say so? (Misuse of card, Twint, e-banking)

TCS Cyber-Schutzbrief – Allgemeine Geschäftsbedingungen (inkl. Geschäftsbedingungen von bolttech), Produktversion 2025, Ausgabe 01.2025, Ziff. 12 lit. c (PDF-S. 6) und Ziff. 13.3 lit. a (PDF-S. 7)

«Unrechtmässige Aneignung der Bank-, Postkonto- oder Zahlungskartendaten (Debit- und Kreditkarten) des Begünstigten durch Dritte und deren anschliessende missbräuchliche Verwendung im Internet.»

Open document: TCS Cyber-Schutzbrief – Allgemeine Geschäftsbedingungen (inkl. Geschäftsbedingungen von bolttech) (opens in a new window), retrieved 06.11.2026
Online purchase limited CHF 300'000 Fraud, non-delivery or wrong delivery from an online purchase. Purchase price up to CHF 1'000: only compensation up to CHF 1'000 (deductible CHF 150), no lawyer. CHF 1'000–20'000: legal protection up to CHF 300'000, plus compensation up to CHF 1'000 if there is no better outcome. Over CHF 20'000: only legal advice. Limit = legal costs (cases CHF 1'000–20'000).
Where does it say so? (Online purchase)

TCS Cyber-Schutzbrief – Allgemeine Geschäftsbedingungen (inkl. Geschäftsbedingungen von bolttech), Produktversion 2025, Ausgabe 01.2025, Ziff. 12 lit. e, PDF-S. 6

«Betrug, Nicht- oder Falschlieferung, Verlust, Mangel oder Beschädigung an für den privaten Gebrauch bestimmten Waren und Dienstleistungen»

Open document: TCS Cyber-Schutzbrief – Allgemeine Geschäftsbedingungen (inkl. Geschäftsbedingungen von bolttech) (opens in a new window), retrieved 06.11.2026
Online sale limited CHF 300'000 The catalogue names «purchase/sale of movable property» (excluding motor vehicles); same price levels as for online purchases (up to CHF 1'000 compensation, CHF 1'000–20'000 legal protection).
Where does it say so? (Online sale)

TCS Cyber-Schutzbrief – Allgemeine Geschäftsbedingungen (inkl. Geschäftsbedingungen von bolttech), Produktversion 2025, Ausgabe 01.2025, Ziff. 12 lit. e, PDF-S. 6

«Kauf/Verkauf von beweglichen Sachen mit Ausnahme von Motorfahrzeugen;»

Open document: TCS Cyber-Schutzbrief – Allgemeine Geschäftsbedingungen (inkl. Geschäftsbedingungen von bolttech) (opens in a new window), retrieved 06.11.2026
Identity theft covered CHF 5'000 Misuse of your internet identity for contracts in your name: technical help, legal advice, compensation of financial loss up to CHF 5'000 (limit). Misuse to damage your reputation: legal protection up to CHF 300'000 (civil law only). Monitoring via TCS ID Protect.
Where does it say so? (Identity theft)

TCS Cyber-Schutzbrief – Allgemeine Geschäftsbedingungen (inkl. Geschäftsbedingungen von bolttech), Produktversion 2025, Ausgabe 01.2025, Ziff. 12 lit. a, PDF-S. 6

«Unrechtmässige Aneignung der Internetidentität des Begünstigten und anschliessender Missbrauch dieser Identität im Internet, um Verträge in seinem Namen abzuschliessen.»

Open document: TCS Cyber-Schutzbrief – Allgemeine Geschäftsbedingungen (inkl. Geschäftsbedingungen von bolttech) (opens in a new window), retrieved 06.11.2026
Cyberbullying and defamation covered CHF 300'000 Serious violation of personality rights on the internet: legal protection up to CHF 300'000 (criminal law interventions up to CHF 5'000), technical help with removing content (section 13.1.3 let. d). No compensation, no psychological help named.
Where does it say so? (Cyberbullying and defamation)

TCS Cyber-Schutzbrief – Allgemeine Geschäftsbedingungen (inkl. Geschäftsbedingungen von bolttech), Produktversion 2025, Ausgabe 01.2025, Ziff. 12 lit. b, PDF-S. 6

«Schwere Persönlichkeitsverletzung des Begünstigten im Internet sowie gegen den Begünstigten gerichtete Drohung, Nötigung oder Erpressung»

Open document: TCS Cyber-Schutzbrief – Allgemeine Geschäftsbedingungen (inkl. Geschäftsbedingungen von bolttech) (opens in a new window), retrieved 06.11.2026
Data recovery covered CHF 2'000 Data recovery and removal of malware (max. 4 devices per event) on PC, laptop, mobile phone, tablet, storage media. In the event of irreversible damage to the device, compensation up to CHF 2'000 according to a current value table (nothing from the 6th year), software at new value.
Where does it say so? (Data recovery)

TCS Cyber-Schutzbrief – Allgemeine Geschäftsbedingungen (inkl. Geschäftsbedingungen von bolttech), Produktversion 2025, Ausgabe 01.2025, Ziff. 13.3 lit. c, PDF-S. 8

«Die Entschädigung für Schäden an den gemäss Ziff. 13.1.1 gedeckten Geräten wird bis zu maximal CHF 2’000.– übernommen»

Open document: TCS Cyber-Schutzbrief – Allgemeine Geschäftsbedingungen (inkl. Geschäftsbedingungen von bolttech) (opens in a new window), retrieved 06.11.2026
Extortion covered CHF 300'000 Online extortion (e.g. sextortion): legal protection up to CHF 300'000 and technical help. Ransom is expressly excluded (section 14 let. h).
Where does it say so? (Extortion)

TCS Cyber-Schutzbrief – Allgemeine Geschäftsbedingungen (inkl. Geschäftsbedingungen von bolttech), Produktversion 2025, Ausgabe 01.2025, Ziff. 12 lit. b, PDF-S. 6

«gegen den Begünstigten gerichtete Drohung, Nötigung oder Erpressung, soweit die angedrohte Massnahme im Internet erfolgen soll.»

Open document: TCS Cyber-Schutzbrief – Allgemeine Geschäftsbedingungen (inkl. Geschäftsbedingungen von bolttech) (opens in a new window), retrieved 06.11.2026
Hacked accounts covered not stated Telephone support by bolttech after a cyber attack; product page: secure accounts, change passwords. Only applies after a covered event.
Where does it say so? (Hacked accounts)

TCS Cyber-Schutzbrief – Allgemeine Geschäftsbedingungen (inkl. Geschäftsbedingungen von bolttech), Produktversion 2025, Ausgabe 01.2025, Ziff. 13.1.3 lit. a, PDF-S. 7

«Telefonische Beratung und Unterstützung nach einem gedeckten Ereignis infolge eines Cyberangriffs;»

Open document: TCS Cyber-Schutzbrief – Allgemeine Geschäftsbedingungen (inkl. Geschäftsbedingungen von bolttech) (opens in a new window), retrieved 06.11.2026
Internet legal protection limited CHF 300'000 Legal protection (Assista) only for identity misuse with reputational damage, cyberbullying/threats/extortion, the right to one’s own image and online purchases of CHF 1'000–20'000. For account/card misuse and online payments only legal advice. Limit CHF 300'000 (CH/EU/UK/EFTA), otherwise CHF 50'000.
Where does it say so? (Internet legal protection)

TCS Cyber-Schutzbrief – Allgemeine Geschäftsbedingungen (inkl. Geschäftsbedingungen von bolttech), Produktversion 2025, Ausgabe 01.2025, Ziff. 13.2.3, PDF-S. 7

«bis zur maximalen Versicherungssumme von CHF 300’000.– pro gedeckten Rechtsfall»

Open document: TCS Cyber-Schutzbrief – Allgemeine Geschäftsbedingungen (inkl. Geschäftsbedingungen von bolttech) (opens in a new window), retrieved 06.11.2026
Liability on the internet not covered not stated Defence against third-party liability claims is excluded.
Where does it say so? (Liability on the internet)

TCS Cyber-Schutzbrief – Allgemeine Geschäftsbedingungen (inkl. Geschäftsbedingungen von bolttech), Produktversion 2025, Ausgabe 01.2025, Ziff. 14 lit. s, PDF-S. 8

«für die Abwehr von ausservertraglichen Haftpflichtansprüchen, die an den Begünstigten durch Dritte gestellt werden;»

Open document: TCS Cyber-Schutzbrief – Allgemeine Geschäftsbedingungen (inkl. Geschäftsbedingungen von bolttech) (opens in a new window), retrieved 06.11.2026
Smart home not covered not stated Only PC, laptop, mobile phone, tablet, storage media are covered (exhaustive). The bolttech conditions exclude smart home devices from technical help.
Where does it say so? (Smart home)

TCS Cyber-Schutzbrief – Allgemeine Geschäftsbedingungen (inkl. Geschäftsbedingungen von bolttech), Produktversion 2025, Ausgabe 01.2025, Geschäftsbedingungen von bolttech, Abschnitt G, Ausschlüsse CIRSP, PDF-S. 13

«CIRSP deckt folgende Kategorien verbundener Objekte nicht ab: 1. Smart Homes: Thermostate, persönliche Assistenten, Sicherheitskameras, Schlösser»

Open document: TCS Cyber-Schutzbrief – Allgemeine Geschäftsbedingungen (inkl. Geschäftsbedingungen von bolttech) (opens in a new window), retrieved 06.11.2026
IT help without a loss covered not stated Prevention and ID monitoring (TCS ID Protect), legal information by telephone even without a claim; according to the product page, 24/7 assessment of suspicious messages.
Where does it say so? (IT help without a loss)

TCS Cyber-Schutzbrief – Allgemeine Geschäftsbedingungen (inkl. Geschäftsbedingungen von bolttech), Produktversion 2025, Ausgabe 01.2025, Ziff. 13.2, PDF-S. 7

«Die Möglichkeit der telefonischen Rechtsauskunft (Ziff. 13.2.1) besteht auch ohne Schadenfall.»

Open document: TCS Cyber-Schutzbrief – Allgemeine Geschäftsbedingungen (inkl. Geschäftsbedingungen von bolttech) (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.

TCS Internet-Schutzbrief (product version 2017)

TCS

Policy terms: Produktversion 2017, Ausgabe 09.2023

no public price

  • Misuse of card, Twint, e-banking limited

    Limit CHF 300'000. Legal costs for credit card misuse via the internet and skimming (no waiting period) as well as disputes with credit card institutions and payment services (PayPal, Twint, Apple Pay) for online payments (waiting period 3 months). If legal assistance is unsuccessful after 2 months, compensation of the financial loss up to CHF 5'000 (card/skimming) or CHF 1'000 (payment processing). External lawyer’s fees only from an amount in dispute of CHF 2'000. Card misuse after theft not covered.

  • Online purchase limited

    Limit CHF 300'000. Legal costs for online contracts (exhaustive list), waiting period 3 months. Purchase price below CHF 200 or above CHF 20'000: only one-time legal advice; external costs only from an amount in dispute of CHF 2'000. If legal assistance is unsuccessful after 2 months, compensation up to CHF 1'000.

  • Online sale limited

    Limit CHF 300'000. The list names «purchase/sale of movable property» (excluding motor vehicles); same price limits of CHF 200–20'000 and waiting period of 3 months.

  • Identity theft covered

    Limit CHF 300'000. Legal costs in the event of misuse of your internet identity (phishing, hacking, social engineering), waiting period 3 months; after 2 months of unsuccessful legal assistance, compensation of the financial loss up to CHF 5'000.

  • Cyberbullying and defamation covered

    Limit CHF 300'000. Legal costs against the originators of serious violations of personality rights on the internet (waiting period 3 months), reputation management/deletion up to CHF 2'000, psychological support up to CHF 1'000.

  • Data recovery limited

    Limit CHF 2'000. Technical support in the event of malware (removal, restoration of personal data) via external service providers up to CHF 2'000, at most once per calendar year; waiting period 3 months. Recovery of lost data and the operating system not insured (section 4.5).

  • Extortion covered

    Limit CHF 300'000. Legal costs against the originator of threats, coercion, extortion with a measure on the internet; no waiting period. Ransom not named (damages generally not insured, section 4.5).

  • Hacked accounts covered

    Limit CHF 300'000. A hacked account falls under misuse of internet identity (hacking); legal costs, compensation up to CHF 5'000.

  • Internet legal protection covered

    Limit CHF 300'000. Stand-alone internet legal protection for private internet use, worldwide. Limit CHF 300'000 (CH/EU/EFTA), otherwise CHF 50'000. Caution: reduction for grossly negligent causation reserved (section 4.4) and minimum amount in dispute of CHF 2'000 for external costs (section 4.3).

  • Liability on the internet limited

    Limit CHF 1'000. Defence against liability claims excluded (section 11 let. c), except passive copyright, name and trademark protection up to CHF 1'000.

  • Smart home unclear

    Limit CHF 2'000. Malware help applies to «electronic devices» for private use; whether smart home devices fall under this is not regulated.

  • IT help without a loss limited

    Legal information by telephone under Swiss law for private life, also in non-covered cases. No IT hotline without a loss.

Key facts and terms
Price
no public price
Type
Stand-alone insurance
Deductible
not stated

No price found. Only the Cyber-Schutzbrief is still advertised on tcs.ch; the GTC of the Internet-Schutzbrief are still linked on the GTC page. Whether it can still be newly taken out is unclear.

Exclusions (5)

Exclusions

All values as a table
What TCS covers in “TCS Internet-Schutzbrief (product version 2017)”
ModuleStatusLimitWhat appliesSource
Misuse of card, Twint, e-banking limited CHF 300'000 Legal costs for credit card misuse via the internet and skimming (no waiting period) as well as disputes with credit card institutions and payment services (PayPal, Twint, Apple Pay) for online payments (waiting period 3 months). If legal assistance is unsuccessful after 2 months, compensation of the financial loss up to CHF 5'000 (card/skimming) or CHF 1'000 (payment processing). External lawyer’s fees only from an amount in dispute of CHF 2'000. Card misuse after theft not covered.
Where does it say so? (Misuse of card, Twint, e-banking)

TCS Internet-Schutzbrief – Allgemeine Versicherungsbedingungen, Produktversion 2017, Ausgabe 09.2023, Ziff. 10 lit. i, PDF-S. 7

«Zivilrechtliche Streitigkeiten des Versicherten bei Unregelmässigkeiten bei der Zahlungsabwicklung mit (abschliessende Aufzählung): Kreditkarteninstituten bei Online-Zahlungen; Betreibern von Mobile- und Online-Bezahlsystemen (Paypal, Twint, Apple Pay etc.).»

Open document: TCS Internet-Schutzbrief – Allgemeine Versicherungsbedingungen (opens in a new window), retrieved 06.11.2026
Online purchase limited CHF 300'000 Legal costs for online contracts (exhaustive list), waiting period 3 months. Purchase price below CHF 200 or above CHF 20'000: only one-time legal advice; external costs only from an amount in dispute of CHF 2'000. If legal assistance is unsuccessful after 2 months, compensation up to CHF 1'000.
Where does it say so? (Online purchase)

TCS Internet-Schutzbrief – Allgemeine Versicherungsbedingungen, Produktversion 2017, Ausgabe 09.2023, Ziff. 10 lit. h, PDF-S. 7

«Bei Fällen mit einem Kauf- oder Dienstleistungspreis unter CHF 200.– oder über CHF 20’000.– besteht ausschliesslich Anrecht auf eine einmalige Rechtsauskunft.»

Open document: TCS Internet-Schutzbrief – Allgemeine Versicherungsbedingungen (opens in a new window), retrieved 06.11.2026
Online sale limited CHF 300'000 The list names «purchase/sale of movable property» (excluding motor vehicles); same price limits of CHF 200–20'000 and waiting period of 3 months.
Where does it say so? (Online sale)

TCS Internet-Schutzbrief – Allgemeine Versicherungsbedingungen, Produktversion 2017, Ausgabe 09.2023, Ziff. 10 lit. h, PDF-S. 7

«Zivilrechtliche Streitigkeiten des Versicherten aus den folgenden im Internet abgeschlossenen Verträgen (abschliessende Aufzählung): Kauf/Verkauf von beweglichen Sachen mit Ausnahme von Motorfahrzeugen»

Open document: TCS Internet-Schutzbrief – Allgemeine Versicherungsbedingungen (opens in a new window), retrieved 06.11.2026
Identity theft covered CHF 300'000 Legal costs in the event of misuse of your internet identity (phishing, hacking, social engineering), waiting period 3 months; after 2 months of unsuccessful legal assistance, compensation of the financial loss up to CHF 5'000.
Where does it say so? (Identity theft)

TCS Internet-Schutzbrief – Allgemeine Versicherungsbedingungen, Produktversion 2017, Ausgabe 09.2023, Ziff. 10 lit. a, PDF-S. 6

«Zivilrechtliche Streitigkeiten des Versicherten aus unrechtmässiger Aneignung seiner Internetidentität durch Techniken wie Phishing, Hacking oder Social Engineering»

Open document: TCS Internet-Schutzbrief – Allgemeine Versicherungsbedingungen (opens in a new window), retrieved 06.11.2026
Cyberbullying and defamation covered CHF 300'000 Legal costs against the originators of serious violations of personality rights on the internet (waiting period 3 months), reputation management/deletion up to CHF 2'000, psychological support up to CHF 1'000.
Where does it say so? (Cyberbullying and defamation)

TCS Internet-Schutzbrief – Allgemeine Versicherungsbedingungen, Produktversion 2017, Ausgabe 09.2023, Ziff. 10 lit. b, PDF-S. 6

«Rechtstreitigkeiten gegen den Urheber schwerer Persönlichkeitsverletzungen im Internet.»

Open document: TCS Internet-Schutzbrief – Allgemeine Versicherungsbedingungen (opens in a new window), retrieved 06.11.2026
Data recovery limited CHF 2'000 Technical support in the event of malware (removal, restoration of personal data) via external service providers up to CHF 2'000, at most once per calendar year; waiting period 3 months. Recovery of lost data and the operating system not insured (section 4.5).
Where does it say so? (Data recovery)

TCS Internet-Schutzbrief – Allgemeine Versicherungsbedingungen, Produktversion 2017, Ausgabe 09.2023, Ziff. 10 lit. j, PDF-S. 7

«Technische Unterstützung gemäss Ziff. 4.2.2 bei Befall eines ausschliesslich für den privaten Gebrauch genutzten elektronischen Gerätes mit Schadsoftware wie Viren oder Trojanern.»

Open document: TCS Internet-Schutzbrief – Allgemeine Versicherungsbedingungen (opens in a new window), retrieved 06.11.2026
Extortion covered CHF 300'000 Legal costs against the originator of threats, coercion, extortion with a measure on the internet; no waiting period. Ransom not named (damages generally not insured, section 4.5).
Where does it say so? (Extortion)

TCS Internet-Schutzbrief – Allgemeine Versicherungsbedingungen, Produktversion 2017, Ausgabe 09.2023, Ziff. 10 lit. c, PDF-S. 6

«Rechtsstreitigkeiten gegen den Urheber einer gegen eine versicherte Person gerichteten Drohung, Nötigung oder Erpressung, soweit die angedrohte Massnahme im Internet erfolgen soll.»

Open document: TCS Internet-Schutzbrief – Allgemeine Versicherungsbedingungen (opens in a new window), retrieved 06.11.2026
Hacked accounts covered CHF 300'000 A hacked account falls under misuse of internet identity (hacking); legal costs, compensation up to CHF 5'000.
Where does it say so? (Hacked accounts)

TCS Internet-Schutzbrief – Allgemeine Versicherungsbedingungen, Produktversion 2017, Ausgabe 09.2023, Ziff. 10 lit. a, PDF-S. 6

«Zivilrechtliche Streitigkeiten des Versicherten aus unrechtmässiger Aneignung seiner Internetidentität durch Techniken wie Phishing, Hacking oder Social Engineering»

Open document: TCS Internet-Schutzbrief – Allgemeine Versicherungsbedingungen (opens in a new window), retrieved 06.11.2026
Internet legal protection covered CHF 300'000 Stand-alone internet legal protection for private internet use, worldwide. Limit CHF 300'000 (CH/EU/EFTA), otherwise CHF 50'000. Caution: reduction for grossly negligent causation reserved (section 4.4) and minimum amount in dispute of CHF 2'000 for external costs (section 4.3).
Where does it say so? (Internet legal protection)

TCS Internet-Schutzbrief – Allgemeine Versicherungsbedingungen, Produktversion 2017, Ausgabe 09.2023, Ziff. 4.2, PDF-S. 4

«bis zur maximalen Versicherungssumme von CHF 300’000.– pro gedeckten Rechtsfall»

Open document: TCS Internet-Schutzbrief – Allgemeine Versicherungsbedingungen (opens in a new window), retrieved 06.11.2026
Liability on the internet limited CHF 1'000 Defence against liability claims excluded (section 11 let. c), except passive copyright, name and trademark protection up to CHF 1'000.
Where does it say so? (Liability on the internet)

TCS Internet-Schutzbrief – Allgemeine Versicherungsbedingungen, Produktversion 2017, Ausgabe 09.2023, Ziff. 10 lit. g, PDF-S. 7

«Beim passiven Urheber-, Namens- und Markenrechtsschutz (Verletzung der Rechte Dritter durch die versicherte Person) sind die Leistungen der Assista auf CHF 1’000.– begrenzt.»

Open document: TCS Internet-Schutzbrief – Allgemeine Versicherungsbedingungen (opens in a new window), retrieved 06.11.2026
Smart home unclear CHF 2'000 Malware help applies to «electronic devices» for private use; whether smart home devices fall under this is not regulated.
Where does it say so? (Smart home)

TCS Internet-Schutzbrief – Allgemeine Versicherungsbedingungen, Produktversion 2017, Ausgabe 09.2023, Ziff. 10 lit. j, PDF-S. 7

«bei Befall eines ausschliesslich für den privaten Gebrauch genutzten elektronischen Gerätes mit Schadsoftware wie Viren oder Trojanern.»

Open document: TCS Internet-Schutzbrief – Allgemeine Versicherungsbedingungen (opens in a new window), retrieved 06.11.2026
IT help without a loss limited not stated Legal information by telephone under Swiss law for private life, also in non-covered cases. No IT hotline without a loss.
Where does it say so? (IT help without a loss)

TCS Internet-Schutzbrief – Allgemeine Versicherungsbedingungen, Produktversion 2017, Ausgabe 09.2023, Ziff. 4.1.1, PDF-S. 4

«Die bei der Assista angestellten Rechtsanwälte und Juristen erteilen versicherten Personen im Rahmen ihrer fachlichen und personellen Möglichkeiten Auskünfte zu Rechtsfragen»

Open document: TCS Internet-Schutzbrief – Allgemeine Versicherungsbedingungen (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