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Cyber protection for young people: sextortion and hacked accounts

not covered No policy pays extortion money

Sextortion and hijacked accounts: here you can see how such cases unfold, what private cyber insurance typically pays and what it doesn’t. Important up front: none of the private insurance policies we read pays extortion money.

As of

What is usually not insured

  • not covered

    Extortion money paid

    Sextortion against a teenager

    Ransom and extortion payments excluded in all private products reviewed; only data recovery or legal protection is paid.

What can happen

Sextortion against a teenager

A 15-year-old chats on Instagram with a girl who is supposedly the same age and sends intimate pictures. The perpetrators then demand money and threaten to send the pictures to his family and school.

More on this case
Entry point
Fake or hacked social media account
Likelihood
high : FSO: 1'375 cases of sextortion with a demand for money in 2025, 31.5% of victims were minors.
Where does it say so?

Rund dreimal mehr Diebstähle als digitale Straftaten in der polizeilichen Kriminalstatistik, 23.03.2026

Open document: Rund dreimal mehr Diebstähle als digitale Straftaten in der polizeilichen Kriminalstatistik (opens in a new window), retrieved 06.11.2026

What AI changes
AI generates credible profiles and even fake nude pictures (deepfakes) from ordinary photos.
What to watch out for
How to protect yourself
  • Talk openly with children: do not pay, do not delete, keep evidence, get help.
  • Inform the police and the platform; advice at 147.ch.
  • Check privacy settings and friends lists.
Evidence

Receipt

Sextortion against a teenager

Tap a line for the reasoning

  • Extortion money paid no reliable figure not covered

    Ransom and extortion payments excluded in all private products reviewed; only data recovery or legal protection is paid. Do not pay.

  • Deletion of the content, psychological help CHF 1'000–20'000 limited

    Deletion, legal protection, in some cases psychological help up to CHF 3'000–20'000 (Mobiliar, Allianz, AXA module). Limits: Mobiliar reputation management up to CHF 20'000, Allianz psychological support up to CHF 3'000.

  • Legal protection, criminal complaint no reliable figure limited

    Internet legal protection CHF 10'000–20'000 per case, depending on the product only for certain disputes. Up to CHF 10'000–20'000.

WhatsApp account hijacked, friends asked for money

An acquaintance asks via WhatsApp for an SMS code to be forwarded. Afterwards, your own account has been taken over, and the perpetrators ask friends for Twint payments.

More on this case
Entry point
Hacked contact, passing on the code
Likelihood
high : Described several times by the NCSC, loss in the case more than CHF 1'800.
What AI changes
AI writes in Swiss dialect.
What to watch out for
How to protect yourself
  • Never pass on codes.
  • Two-step verification in WhatsApp with a PIN.
  • Call friends when they ask for money.
Evidence

Receipt

WhatsApp account hijacked, friends asked for money

Tap a line for the reasoning

  • Payments by friends CHF 500–2'000 unclear

    The loss is incurred by third parties; restoring the account is usually not an insurance benefit. Documented: more than CHF 1'800.

  • IT help with account recovery CHF 180–680 add-on

    IT help as a service with the AXA module and Mobiliar, not an insurance benefit. 1–3 h × CHF 180–225/h (IT support for SMEs, office hours)

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.

Related questions

Who pays first? The order for cards, phishing and Twint

Three ways forward