smile.travel premium

  • Cancellations & interruptions

  • Medical costs

General

General information:

The risk carrier is Helvetia.
Additional to cancellation cost and personal assistance insurance, a medical cost insurance is included.
Only for persons resident in Switzerland.

Termination of contract:

The insurance is extended automatically each year if it is not cancelled at least 1 month before it ends.

Trip cancellation individual, maximum amount:
CHF 20,000
Trip cancellation family, maximum amount:
CHF 50,000
Search and rescue operations, maximum amount:
CHF 10,000
Insurance rate (comments):

Stamp taxes and 10% online discount included.

Premiums for individuals:
Cancellation costs: CHF 147.00
Travel assistance: CHF 147.00
Cancellation & assistance (combined): CHF 147.00
With addition of medical expenses: CHF 147.00
Premiums for families:
Cancellation costs: CHF 247.00
Travel assistance: CHF 247.00
Cancellation & assistance (combined): CHF 247.00
With addition of medical expenses: CHF 247.00
Premiums for young persons:
Cancellation costs: CHF 147.00
Travel assistance: CHF 147.00
Cancellation & assistance (combined): CHF 147.00
With addition of medical expenses: CHF 147.00
Trip cancellation insurance (comments):

Worldwide coverage.
Deductible of 10 percent for the amount above CHF 10,000 (for families: 20 percent above CHF 20,000).
In the event of theft of personal documents or termination of employment or taking up employment: Limitation of benefits to CHF 10,000 per event (CHF 20,000 for families).

Trip cancellation: insured events:
Accident, illness & death, Pregnancy, Strike, Damage to property at home, Job lost, Breakdown of transport, Epidemics, New job, Risks at destination, Deputy at work, Pet illness or death
Trip cancellation: insured services:
Cancellation costs, Administration fees, Event ticket compensation, Replacement trip compensation
Trip assistance (comments):

SOS assistance: worldwide coverage. With airline insolvency protection, worldwide medical and hospital expenses, dog and cat insurance, air accident insurance, volcano insurance.

Trip assistance: insured events:
Accident, illness & death, Deputy at work, Pet illness or death, Damage to property at home, Epidemics, Natural hazards, Volcanic eruptions / earthquakes, Wars & tumults, Breakdown of transport, Theft of personal documents
Travel assistance: insured services:
Search & rescue costs, Repatriation costs, Accomodation & catering costs, Trip interruption compensation, Replacement trip compensation, Event ticket compensation
Additional assistance services:
24 h hotline, Compensation for event tickets, Home care, Account freezing services, Mobile phone barring services, Emergency cash advances
Vehicle assistance:

Not included in the insurance.

Accomodation & catering:

Additional costs such as accommodation and catering abroad, up to a maximum of CHF 700 per person (using a rental car up to CHF 1000).

Interruption and replacement:

If a serious illness or accident forces the insurance holder to abandon the trip, a replacement trip worth up to CHF 5000 (CHF 10,000 for families) is covered. The proportional costs of the unused travel arrangement are covered up to CHF 10,000 per person (families: CHF 20,000 per booking).

Luggage:

Luggage (with the exception of valuable items) is insured up to a maximum of CHF 1,000 (maximum CHF 4000 per trip) against loss, damage or delay, if it is with a transport company.

Travel legal protection:

Not included in the insurance.

Medical expenses:

Worldwide coverage (with the exception of Switzerland) up to a maximum of CHF 20,000 per person.
For people who have not yet reached their 80th birthday.

Scope of services

Total scope
Cancellation individual, max. amount
Cancellation family, max. amount
Search and rescue operations, max. amount
Trip cancellation: covered events
Trip cancellation: benefits
Trip interruption: covered events
Trip interruption: benefits
Assistance: additional coverage
Accomodation and catering
Interruption & replacement trip
Luggage
Vehicle assistance
Legal protection
Medical expenses

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