How much does private cyber insurance cost in Switzerland?
Published annual prices for private cyber insurance and cyber add-ons range from CHF 39 to CHF 94.80. 16 of 29 products state no public price; 9 of them show it only in the provider’s calculator.
As of
Prices for individuals
13 products with a public price, cheapest first. Prices only if visible without entering any data.
- from CHF 39 Zurich Cyber – Safe Shop & Pay a year Add-on to household contents insurance
- CHF 39 Zurich Cyber – Safe Surf a year Add-on to household contents insurance
- from CHF 41.90 Allianz Suisse Online- und Kaufschutzbrief (cyber protection) a year Add-on to household contents insurance
- CHF 48.60 Swisscard Shopping-Versicherung (Classic, Premium, Exclusive) with the module «Safe online» a year Bundle or add-on to the card 12 × CHF 4.05, our calculation
- CHF 60 Cornèrcard Cyber insurance for Visa, Mastercard and Diners Club cards of Cornèr Bank (individual/family cover) a year Bundle or add-on to the card
- CHF 71.40 Cembra Cembra CyberProtect a year Bundle or add-on to the card 12 × CHF 5.95, our calculation
- CHF 72 Zurich Cyber – Prevention (Zurich Cyber Security App, partner BOXX Insurance) a year Bundle or add-on to the card
- CHF 83.40 Cembra Cembra ShoppingProtect a year Bundle or add-on to the card 12 × CHF 6.95, our calculation
- CHF 94.80 Swisscard Cyber Security-Versicherung (optional for the Swisscard credit/charge card) a year Bundle or add-on to the card 12 × CHF 7.90, our calculation
- CHF 94.80 Swisscom Easy Cyber Insurance a year Bundle or add-on to the card 12 × CHF 7.90, our calculation
- from CHF 183 Coop Rechtsschutz Legal protection module: basic module «Private and health» (including internet legal protection) a year Part of a legal protection insurance
- from CHF 264 Dextra Private legal protection Private L (package L, area of law «internet law») a year Part of a legal protection insurance
- from CHF 399 Coop Rechtsschutz Legal protection package (private, employment, health, housing, traffic, including internet) a year Part of a legal protection insurance
Only via the provider’s calculator (9)
- Mobiliar Cyberversicherung für Privatpersonen (module of the household and building insurance)
- AXA Cyberversicherung Plus (modules: online accounts & credit cards, online bullying & copyright, online shopping, data recovery/virus removal/IT assistance)
- Helvetia Cyber add-on to the household contents insurance («Cyber: losses arising from the use of internet technologies»)
- Generali Cyber insurance (part D of the household insurance)
- smile smile.home, additional cover Cyber (H.4.5) and optional private legal protection (R)
- Simpego Household insurance Home (monetary assets: credit, debit and customer cards)
- Protekta Private legal protection, Comfort package (with «personality rights and internet legal protection»)
- AXA-ARAG Private legal protection, «Wohnen & Alltag» module (includes online purchases, card/identity misuse, cyberbullying)
- TCS TCS Cyber-Schutzbrief (legal protection Assista + compensation TAS + technology bolttech)
No public price (7)
- Baloise BaloiseCombi Haushalt, security module Protection – Cyber (F2.1)
- Vaudoise Home in One, additional cover for misuse of credit and debit cards (Art. F4)
- CAP privaLex private legal protection with the Multi Risk add-on (Cyber Risk)
- Orion Private legal protection Standard (including internet and bullying legal protection)
- TCS TCS Internet-Schutzbrief (product version 2017)
- Groupe Mutuel CyberProtect (internet legal protection + assistance + compensation)
- Viseca Online account protection and online legal protection (included in the credit card)
All values as a table
| Product | Type | Price per year | Note |
|---|---|---|---|
| ZurichCyber – Safe Shop & Pay | Add-on to household contents insurance | from CHF 39 | «from CHF 39 per year» (product page); sum insured selectable from CHF 10'000 to 50'000, price for higher sums only via the calculator. According to the product page, can be taken out individually or as a package; regulated in the GTC as «services» of the household insurance. |
| ZurichCyber – Safe Surf | Add-on to household contents insurance | CHF 39 | CHF 39 per year (product page); fixed sum insured CHF 3'000, two events per calendar year. According to the product page, can be taken out individually or as a package. |
| Allianz SuisseOnline- und Kaufschutzbrief (cyber protection) | Add-on to household contents insurance | from CHF 41.90 | «from CHF 41.90 per year» for an individual without youth discount, including stamp duty; 20% discount for new contracts under 30 (product page). Multi-person insurance only via the calculator. According to the product page, a supplement to household contents insurance, but it «also works quite well on its own». |
| SwisscardShopping-Versicherung (Classic, Premium, Exclusive) with the module «Safe online» | Bundle or add-on to the card | CHF 48.60 | 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. |
| CornèrcardCyber insurance for Visa, Mastercard and Diners Club cards of Cornèr Bank (individual/family cover) | Bundle or add-on to the card | CHF 60 | Individual cover CHF 60, family cover CHF 85 per year; requirement: residence in Switzerland and a valid e-mail address (application form edition 06.2026). |
| CembraCembra CyberProtect | Bundle or add-on to the card | CHF 71.40 | CHF 5.95 per month (product page and declaration of membership); annual figure calculated by us. Minimum term 365 days, then renewal for 30 days at a time. |
| ZurichCyber – Prevention (Zurich Cyber Security App, partner BOXX Insurance) | Bundle or add-on to the card | CHF 72 | CHF 72 per year (product page). Service, not insurance; up to 10 devices, also of family and friends. |
| CembraCembra ShoppingProtect | Bundle or add-on to the card | CHF 83.40 | CHF 6.95 per month (product page and declaration of membership); annual figure calculated by us. |
| SwisscardCyber Security-Versicherung (optional for the Swisscard credit/charge card) | Bundle or add-on to the card | CHF 94.80 | 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. |
| SwisscomEasy Cyber Insurance | Bundle or add-on to the card | CHF 94.80 | 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. |
| Coop RechtsschutzLegal protection module: basic module «Private and health» (including internet legal protection) | Part of a legal protection insurance | from CHF 183 | «from CHF 183.– per year» according to the product page (individual/family and variant eco/comfort/deluxe not stated for the «from» price). Family price only via the calculator. Sum insured selectable: eco CHF 500'000, comfort CHF 750'000, deluxe CHF 1 million; internet cases (P7/P8) CHF 50'000/75'000/100'000. No deductibles (factsheet). |
| DextraPrivate legal protection Private L (package L, area of law «internet law») | Part of a legal protection insurance | from CHF 264 | «from CHF 264.- per year» for package L (private and traffic legal protection L) according to the product page; package XL «from CHF 344.- per year». Individual/family not stated for the «from» price; exact price only via the calculator. No deductible. There is also the product Flex with the module «Everyday life» (not evaluated separately). |
| Coop RechtsschutzLegal protection package (private, employment, health, housing, traffic, including internet) | Part of a legal protection insurance | from CHF 399 | «from CHF 399.– per year» according to the product page; the calculator template shows an individual at CHF 399.00 (net premium CHF 380 + 5% stamp duty). Family price only via the calculator. Sum insured max. CHF 750'000; internet cases (16.13/16.14) CHF 75'000. No deductibles, no minimum amounts in dispute (factsheet). |
| MobiliarCyberversicherung für Privatpersonen (module of the household and building insurance) | Add-on to household contents insurance | only via the provider’s calculator | Price only via the calculator. According to the product page, it can be taken out on its own or together with the household contents insurance; family discount for families with children under 16. Choice of individual or multi-person household (GTC Art. C1). |
| AXACyberversicherung Plus (modules: online accounts & credit cards, online bullying & copyright, online shopping, data recovery/virus removal/IT assistance) | Add-on to household contents insurance | only via the provider’s calculator | Price only via the calculator (axa.ch/de/rechner/cyberversicherung). According to the product page, each module can also be taken out on its own; discount for several modules and up to the 30th birthday. Deductible only on financial benefits of the online accounts and online shopping modules, selectable from CHF 50 to 5'000. |
| HelvetiaCyber add-on to the household contents insurance («Cyber: losses arising from the use of internet technologies») | Add-on to household contents insurance | only via the provider’s calculator | 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. |
| BaloiseBaloiseCombi Haushalt, security module Protection – Cyber (F2.1) | Add-on to household contents insurance | no public price | No price found: the Baloise product page redirects to the Helvetia page («Helvetia and Baloise are now one»). The conditions apply to existing Baloise policies; whether new contracts are still possible is open. |
| GeneraliCyber insurance (part D of the household insurance) | Add-on to household contents insurance | only via the provider’s calculator | Price only via the calculator. Individual or family insurance; only the perils listed in the policy are insured, with the sum agreed there. |
| smilesmile.home, additional cover Cyber (H.4.5) and optional private legal protection (R) | Add-on to household contents insurance | only via the provider’s calculator | 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. |
| VaudoiseHome in One, additional cover for misuse of credit and debit cards (Art. F4) | Add-on to household contents insurance | no public price | Price only via an agency/quote. No private cyber insurance from Vaudoise was found (sitemap of vaudoise.ch searched; media release «Cyberschutz: sicher online unterwegs» of 28.09.2021 not retrievable). |
| SimpegoHousehold insurance Home (monetary assets: credit, debit and customer cards) | Add-on to household contents insurance | only via the provider’s calculator | Price only via the calculator. No cyber additional cover found in the GTC; card losses only as a consequence of an insured household contents event. |
| ProtektaPrivate legal protection, Comfort package (with «personality rights and internet legal protection») | Part of a legal protection insurance | only via the provider’s calculator | Price only via the calculator (premium calculator on mobiliar.ch/protekta.mobiliar.ch). Choice of individual or multi-person household. Internet legal protection according to the brochure (08.2023) only in the Comfort package; Minima (deductible CHF 2'000) and Classic without this area of law. |
| AXA-ARAGPrivate legal protection, «Wohnen & Alltag» module (includes online purchases, card/identity misuse, cyberbullying) | Part of a legal protection insurance | only via the provider’s calculator | Price only via the calculator. Example on the product page: individual with the modules Wohnen & Alltag, Verkehr & Reisen, Gesundheit & Personenversicherungen CHF 157.90/year (deductible CHF 2'000, sum insured CHF 300'000); basic protection with three modules «from CHF 150 per year». Family price and price for the Wohnen & Alltag module alone not public. Deductible selectable (policy). |
| CAPprivaLex private legal protection with the Multi Risk add-on (Cyber Risk) | Part of a legal protection insurance | no public price | No public price; the product page only offers a quote request (not used). Choice of single or multi-person insurance. |
| OrionPrivate legal protection Standard (including internet and bullying legal protection) | Part of a legal protection insurance | no public price | No price found on the product page; price only via application/quote. Product Premium with higher sub-limits (internet/bullying CHF 20'000). No deductible found in the GTC. |
| TCSTCS Cyber-Schutzbrief (legal protection Assista + compensation TAS + technology bolttech) | Bundle or add-on to the card | only via the provider’s calculator | 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. |
| TCSTCS Internet-Schutzbrief (product version 2017) | Stand-alone insurance | no public price | 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. |
| Groupe MutuelCyberProtect (internet legal protection + assistance + compensation) | Bundle or add-on to the card | no public price | No price found on the product page; only a quote request. Individual or family variant (flyer, edition 8.22). |
| VisecaOnline account protection and online legal protection (included in the credit card) | Bundle or add-on to the card | no public price | No separate price: included in the card’s annual fee. Online account protection: CHF 5'000 (World Mastercard Silber, Visa Classic), CHF 10'000 (Gold, Flying Blue), CHF 20'000 (Visa Platinum). |
What your household contents and legal protection insurance already cover
18 of the 29 products are an add-on to household contents insurance or part of a legal protection insurance; check your policy to see whether you already have it. Legal protection usually pays for lawyers and proceedings, not the lost money.
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Add-on to household contents insurance Mobiliar, AXA, Zurich, Allianz Suisse, Helvetia, Baloise, Generali, smile, Vaudoise, Simpego 11 products
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Mobiliar, Cyberversicherung für Privatpersonen (module of the household and building insurance)
- limited Misuse of card, Twint, e-banking, up to CHF 20'000
- limited Online purchase, up to CHF 20'000
- limited Identity theft, up to CHF 20'000
- covered Cyberbullying and defamation, up to CHF 20'000
- covered Data recovery, up to CHF 5'000
- limited Extortion
- limited Hacked accounts, up to CHF 20'000
- covered Internet legal protection, up to CHF 20'000
- covered IT help without a loss
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AXA, Cyberversicherung Plus (modules: online accounts & credit cards, online bullying & copyright, online shopping, data recovery/virus removal/IT assistance)
- add-on Misuse of card, Twint, e-banking, up to CHF 20'000
- add-on Online purchase, up to CHF 5'000
- add-on Identity theft, up to CHF 20'000
- add-on Cyberbullying and defamation, up to CHF 20'000
- add-on Data recovery, up to CHF 3'000
- add-on Extortion, up to CHF 3'000
- add-on Hacked accounts, up to CHF 20'000
- add-on Internet legal protection, up to CHF 20'000
- add-on Liability on the internet, up to CHF 20'000
- add-on Smart home, up to CHF 3'000
- add-on IT help without a loss
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Zurich, Cyber – Safe Shop & Pay
- limited Misuse of card, Twint, e-banking, up to CHF 50'000
- covered Online purchase, up to CHF 50'000
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Zurich, Cyber – Safe Surf
- covered Data recovery, up to CHF 3'000
- limited Extortion, up to CHF 3'000
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Allianz Suisse, Online- und Kaufschutzbrief (cyber protection)
- limited Misuse of card, Twint, e-banking, up to CHF 20'000
- covered Online purchase, up to CHF 20'000
- limited Identity theft, up to CHF 20'000
- covered Cyberbullying and defamation, up to CHF 20'000
- covered Data recovery, up to CHF 5'000
- limited Internet legal protection, up to CHF 20'000
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Helvetia, Cyber add-on to the household contents insurance («Cyber: losses arising from the use of internet technologies»)
- limited Misuse of card, Twint, e-banking, up to CHF 5'000
- limited Online purchase, up to CHF 2'000
- limited Identity theft, up to CHF 5'000
- limited Cyberbullying and defamation, up to CHF 5'000
- limited Data recovery, up to CHF 5'000
- add-on Internet legal protection
- add-on Liability on the internet
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Baloise, BaloiseCombi Haushalt, security module Protection – Cyber (F2.1)
- limited Misuse of card, Twint, e-banking, up to CHF 20'000
- covered Online purchase, up to CHF 20'000
- limited Identity theft, up to CHF 20'000
- limited Cyberbullying and defamation, up to CHF 3'000
- covered Data recovery, up to CHF 20'000
- limited Extortion, up to CHF 20'000
- limited Internet legal protection, up to CHF 20'000
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Generali, Cyber insurance (part D of the household insurance)
- limited Misuse of card, Twint, e-banking
- limited Online purchase, up to CHF 10'000
- limited Online sale, up to CHF 10'000
- limited Identity theft
- limited Cyberbullying and defamation, up to CHF 10'000
- covered Data recovery
- limited Extortion
- limited Hacked accounts
- limited Internet legal protection, up to CHF 10'000
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smile, smile.home, additional cover Cyber (H.4.5) and optional private legal protection (R)
- limited Misuse of card, Twint, e-banking, up to CHF 5'000
- limited Online purchase, up to CHF 5'000
- limited Identity theft, up to CHF 5'000
- add-on Cyberbullying and defamation, up to CHF 50'000
- covered Data recovery, up to CHF 5'000
- add-on Extortion, up to CHF 50'000
- add-on Internet legal protection, up to CHF 50'000
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Vaudoise, Home in One, additional cover for misuse of credit and debit cards (Art. F4)
- limited Misuse of card, Twint, e-banking
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Simpego, Household insurance Home (monetary assets: credit, debit and customer cards)
- limited Misuse of card, Twint, e-banking, up to CHF 10'000
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Legal protection insurance Protekta, AXA-ARAG, CAP, Coop Rechtsschutz, Dextra, Orion 7 products
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Protekta, Private legal protection, Comfort package (with «personality rights and internet legal protection»)
- limited Misuse of card, Twint, e-banking, up to CHF 20'000
- covered Online purchase
- covered Online sale
- limited Identity theft, up to CHF 20'000
- limited Cyberbullying and defamation, up to CHF 20'000
- covered Internet legal protection, up to CHF 20'000
- limited IT help without a loss
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AXA-ARAG, Private legal protection, «Wohnen & Alltag» module (includes online purchases, card/identity misuse, cyberbullying)
- covered Misuse of card, Twint, e-banking
- covered Online purchase
- covered Identity theft
- covered Cyberbullying and defamation
- limited Hacked accounts
- covered Internet legal protection, up to CHF 1'000'000
- limited Liability on the internet
- limited IT help without a loss
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CAP, privaLex private legal protection with the Multi Risk add-on (Cyber Risk)
- covered Misuse of card, Twint, e-banking, up to CHF 750'000
- covered Online purchase, up to CHF 750'000
- covered Online sale, up to CHF 750'000
- add-on Identity theft, up to CHF 15'000
- add-on Cyberbullying and defamation, up to CHF 15'000
- add-on Internet legal protection, up to CHF 15'000
- limited IT help without a loss
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Coop Rechtsschutz, Legal protection module: basic module «Private and health» (including internet legal protection)
- covered Misuse of card, Twint, e-banking, up to CHF 50'000
- covered Online purchase, up to CHF 500'000
- covered Online sale, up to CHF 500'000
- covered Identity theft, up to CHF 50'000
- covered Cyberbullying and defamation, up to CHF 50'000
- covered Extortion, up to CHF 50'000
- covered Hacked accounts, up to CHF 50'000
- covered Internet legal protection, up to CHF 50'000
- limited Liability on the internet, up to CHF 500
- limited IT help without a loss, up to CHF 1'000
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Coop Rechtsschutz, Legal protection package (private, employment, health, housing, traffic, including internet)
- covered Misuse of card, Twint, e-banking, up to CHF 75'000
- covered Online purchase, up to CHF 750'000
- covered Online sale, up to CHF 750'000
- covered Identity theft, up to CHF 75'000
- covered Cyberbullying and defamation, up to CHF 75'000
- covered Extortion, up to CHF 75'000
- covered Hacked accounts, up to CHF 75'000
- covered Internet legal protection, up to CHF 75'000
- limited Liability on the internet, up to CHF 1'000
- limited IT help without a loss, up to CHF 1'500
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Dextra, Private legal protection Private L (package L, area of law «internet law»)
- covered Misuse of card, Twint, e-banking, up to CHF 300'000
- covered Online purchase, up to CHF 600'000
- covered Online sale, up to CHF 600'000
- covered Identity theft, up to CHF 300'000
- covered Cyberbullying and defamation, up to CHF 300'000
- covered Hacked accounts, up to CHF 300'000
- covered Internet legal protection, up to CHF 300'000
- limited Liability on the internet, up to CHF 300'000
- limited IT help without a loss
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Orion, Private legal protection Standard (including internet and bullying legal protection)
- limited Misuse of card, Twint, e-banking, up to CHF 5'000
- limited Online purchase, up to CHF 600'000
- limited Online sale, up to CHF 600'000
- limited Identity theft, up to CHF 5'000
- limited Cyberbullying and defamation, up to CHF 5'000
- limited Extortion, up to CHF 5'000
- limited Hacked accounts, up to CHF 5'000
- limited Internet legal protection, up to CHF 5'000
- limited Liability on the internet, up to CHF 5'000
- limited IT help without a loss
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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.