Help / Terms and policies / Insurance policy
Thanks to European Travel Insurance (ERV), our trusted insurance partner of the Helvetia group, we provide free included SOS coverage insurance in Switzerland on specific activities booked through Crion.
Check some parts of the general terms and conditions (CGA) of the coverage. In case of any dispute, we refer to the German version. Here the English translation:
- Who are your contractual partners?
The risk bearer for this insurance is: Helvetia Compagnie Suisse d’Assurances SA, Dufourstrasse 40, 9001 St. Gallen. Responsible for this insurance European Travel Insurance ERV (referred to as ERV in the General Conditions of Insurance), branch of Helvetia Swiss Insurance Company SA whose registered office is located at St. Alban-Anlage 56, PO Box, CH-4002 Basel.
- What is the law and what are the bases of the contract that apply?
This contract is governed by Swiss law. The bases of the contract are formed, for example, by the customer information, the General Conditions of Insurance, if applicable other Conditions Specifications or Additional Conditions and the policy. Otherwise, it is federal law on the authentic insurance contract.
- What risks are insured and what is the scope of the insurance cover?
The events whose occurrence is the basis of ERV's performance obligation arise from these General Conditions of Insurance (CGA).
- What insurance is it?
The insurance is in principle damage insurance. Insured amounts are expressly designated as such in the contractual documents (e.g. the proposal, the police, CGAs).
- What is the nature of the benefits due?
The amount, or the maximum limit, as well as the nature of the insurance benefits are indicated in these T&Cs. The same is true for franchises.
- Who are the insured persons?
On the basis of the collective insurance contract concluded with the policyholder, ERV grants a insurance coverage only to the insured person as well as a right of direct action in relation with insurance benefits. The insured person is the person who starts an activity reserved and fully paid for on Crion.
- What are the obligations of the insured persons?
Insured persons are required to comply with the following obligations in particular:
- In the event of a claim, the insured person must immediately report it to ERV.
- During ERV investigations, for example in the event of a claim, the insured person is required to cooperate (duty of cooperation).
- In the event of a claim, all reasonably required measures must be taken to reduce and elucidate the damage (obligation to reduce the damage).
- When does the insurance cover start and end?
The insurance cover begins and ends at the start and end of the activity. It is also terminated in the case of termination of the collective insurance contract between Crion and ERV.
- What personal data is processed and why?
All personal data is processed in accordance with the current data protection legislation. The person responsible for processing your personal data is the European Travel Insurance (ERV), branch of Helvetia Swiss Insurance Company Ltd, St. Alban-Anlage 56, PO Box, CH-4002 Basel. In the information on data protection at www.erv.ch/protection-des-donnees, you will find further information on the purposes of the processing (e.g. business management insurance, marketing activities, pricing and creation of individual products, risk review and handling of claims, recipients in Switzerland and abroad) as well as on your rights. In case of doubt concerning the interpretation and content of any documentation, only the German version prevails.
- Overview of insurance benefits
It should be noted that the insurance cover only includes benefits and insured amounts specified in the following overview. Benefits / amounts insured by the coverage, however, remain decisive in all cases.
- Description of insurance services: travel insurance
- Transportation to nearest appropriate hospital for treatment
- Emergency transport/repatriation with medical assistance
- Research and rescue
- Repatriation in case of death
- Amount insured, maximum benefit amounts in CHF
- CHF 50,000 per person and per event
- Emergency center: In the event of an emergency, the alarm center is at the disposal of the insured person 24 hours, 365 days a year.
- Insured persons, special provisions
- The insurance covers the person listed on the booking confirmation.
- For people suffering from a chronic illness, the ability to travel must be certified by a medical certificate drawn up just before booking a travel service.
- Territorial scope of coverage
The insurance is valid in Switzerland.
- General exclusions
The insurance does not cover events
- which had already arisen or were evident at the time of the conclusion of the insurance or the reservation of the travel service. Provisions relating to the aggravation of illnesses chronicles remain reserved;
- resulting from illnesses or accidents that have not been certified by a doctor and justified by means of a medical certificate at the time of their occurrence, or if such a certificate has been obtained only by telephone consultation;
- for which a report is established by a person (expert, doctor, etc.) directly beneficiary or who is related or related by marriage to the insured person;
- resulting from acts of war or terrorism, subject to the provisions relating to travel incidents;
- related to strikes or unrest of any kind or to natural events;
- following an abduction;
- following an order from the authorities;
- occurring during participation in: competitions, races, rallies or training with motor vehicles or boats; competitions or training in connection with professional sport or with an extreme sport; trekking and mountain excursions when the bivouac height is greater than 4,000 m; expeditions;
- reckless/daring undertakings for which one knowingly exposes oneself to danger particularly serious, SUVA classifications being decisive;
- resulting from driving a motor vehicle or a boat without having a driver's license required by law or unaccompanied in accordance with legal requirements;
- caused by an intentional act or serious fault, by omission or following a breach of the usual duty of care;
- caused under the influence of alcohol, drugs, narcotics or medication;
- occurring during the intentional commission of crimes and misdemeanors and their attempt;
- committed by the insured person such as suicide, voluntary mutilation or their attempt;
- caused by ionizing radiation of any kind, including, in particular, that consecutive to the transmutation of the atom;
- following a pandemic. The exclusion from benefits does not apply when the person insured has contracted an illness and is in isolation/quarantine following an infection.
- Claims against third parties
- If the insured person has been compensated by a liable third party or by his insurer, no compensation is due under this contract. If ERV intervened instead of the liable, the insured person must cede his claims to him up to the amount of the expenses incurred by ERV.
- In the event of multiple insurance (optional or compulsory insurance), ERV provides its services subsidiarily, unless the insurance conditions of the other insurer also contain a subsidiarity clause; in this case, the legal rules of multiple insurance apply.
- In the event that several insurance companies are concerned with concessionary companies, fees will be refunded in full at once.
- Other provisions
- After the occurrence of a claim, claims are time-barred after five years.
- The rightful claimant has exclusively as a forum that of his Swiss domicile or that of the ERV headquarters in Basel.
- The benefits unduly paid by ERV and the related costs must be refunded within 30 days.
- The insurance contract is exclusively governed by Swiss law, in particular by Swiss federal law on the insurance contract (LCA).
- When assessing the situation to determine whether a trip to a country is reasonably possible or not due to strikes, disturbances of any kind, war, acts of terrorism, epidemics, etc., only the recommendations in force or the official travel warnings from the Swiss authorities are decisive. These are the recommendations of the Federal Department of Foreign Affairs (FDFA) and of the Federal Office of Health Authority (OFSP).
- ERV pays its benefits in CHF. The conversion of foreign currencies is carried out on the basis of the exchange rate in force on the date of payment of the costs by the insured person.
- Once the claim has been paid by ERV, the insured person automatically assigns and block to ERV its claims arising from the insurance contract.
- ERV does not provide insurance coverage or be liable for damages or other benefits only to the extent that this does not constitute a violation or restriction of the UN resolutions or a violation of trade or economic sanctions by Switzerland, the European Union, the United Kingdom and the United States of America.
- Obligations in the event of a claim
- In the event of a claim, dial the local emergency number or contact your Central assistance; if a return transport (repatriation) is necessary, you must contact the Emergency Center (24 hours a day), either on +41 848 801 803, or on the toll-free number +800 8001 8003. It is available to you day and night (including Sundays and public holidays). The Emergency Center will advise you on the appropriate procedure and will provide the necessary assistance.
- The insured person must take all necessary measures, before and after the loss, in order to avoid or mitigate the consequences of the claim and to elucidate its circumstances.
- The insurer must receive immediately the requested information, the necessary documents and the bank details (IBAN of the bank or postal account).
- In the event of illness or accident, a doctor should be consulted immediately, inform him of the planned trip and follow his instructions. The insured person/beneficiary must unbind the doctors who treated him of their professional secrecy in front of the insurer.
- The originals of all documents must be kept and made available on ERV request.
- Wrongful breach of obligations in the event of a claim
- In the event of culpable breach of obligations in the event of a claim, the insurer is authorized to reduce his compensation in proportion to the amount by which it would have been reduced if the obligations had been observed.
- No benefits from the insurer are payable if: you knowingly state inaccurate facts; concealing facts or failure to fulfill obligations (including police report, police report, observation, confirmation and receipts).
- Special provision, territorial scope of cover, period of validity
The insurance cover is valid in Switzerland for the entire duration of the travel service reserved.
- Insured events
- ERV grants insurance cover following one of the events mentioned below: unforeseen serious illness, serious injury, serious complications of pregnancy or death of an insured person.
- If an insured person suffers from a chronic illness without the latter appearing to question his participation in the trip when concluding the insurance or booking, or before the start of the travel service, ERV reimburses the insured costs which would result from the interruption of the trip following an acute and unforeseeable aggravation of this illness. It's about even in the event of the death of the insured person as a result of the chronic illness.
- Insured benefits
- The event that causes one of the following allowances is decisive for the evaluation of the right to benefits. Previous or subsequent events are not taken into consideration. The maximum sum insured is CHF 50,000 per person and per event.
- If the insured event occurs, ERV reimburses: a) transportation costs to the nearest appropriate hospital for treatment. Only the ERV doctors decide whether, how and when these services are required; b) the cost of emergency transport with medical assistance to the hospital in the place of residence of the insured person appropriate for the treatment. Only the doctors of ERV decide on the necessity, mode and time of these benefits; c) the necessary search and rescue costs, if the insured person is brought missing or needs to be rescued; d) the organization and costs of formalities imposed by the authorities when an insured person dies during the trip. In addition, ERV bears the costs of incineration outside the country of residence or additional costs arising from the execution of the international transfer agreement corpses (minimum provisions, such as a zinc coffin or interior trim) as well as the repatriation of the coffin or urn to the last domicile of the insured person.
- The decision as to whether, how and when these services are required rests with ERV.
- In order to claim benefits in the event of repatriation, the insured person must go through the Emergency Center and have these allowances approved beforehand by the Central Emergency or ERV. Otherwise, benefits are limited to a maximum of CHF 400 per person and per event.
- All benefits are excluded: a) in the absence of a medical indication (for example in the event of appropriate medical care on site) and if no doctor was consulted on site; b) when the illness that prompted the intervention results from a complication or the consequences of a operation or medical treatment already planned at the time the insurance takes effect or of the reservation, or before the start of the travel service.
- Procedure in the event of a claim
- In order to claim benefits from ERV, the insured person must, as soon as the insured event, immediately notify the emergency center or ERV.
- The following documents must in particular be sent to ERV: booking confirmation (original or copy); confirmation of payment for the activity; a medical certificate accompanied by the diagnosis, official certificates, the act of death, receipts, invoices for insured additional costs, train tickets or plane and/or (original) police reports.
- Accident: An accident is any harmful, sudden and involuntary injury to the human body caused by an extraordinary external cause that compromises physical, mental, or psychological health or results in death.
- Domicile / State of residence: The state of residence is the country in which the insured person has their legal domicile or habitual residence, or had their domicile before the start of the insured stay.
- Epidemic: An epidemic is a disease that affects a very large number of people during a period of time and in a restricted geographic area.
- Foreigner: The term 'foreigner' does not include Switzerland or the country in which the insured person has their usual residence.
- Natural event: A natural phenomenon, unpredictable and sudden, with a character of catastrophe. The event causing damage is triggered in this case by geological or meteorological processes.
- Expedition: An expedition is a discovery or scientific research trip that lasts several days in an isolated and undeveloped region or a mountain hike from a base camp to an altitude of over 7,000 meters. Excursions in extremely isolated regions such as the two poles, or for example, the Gobi Desert, the Sahara, the Amazon jungle, or Greenland, as well as the exploration of specific underground cavities, are also part of it.
- Gross Negligence: Gross negligence is a failure to observe elementary rules of prudence that any reasonable person would have observed in the same situation.
- Isolation / Quarantine: Isolation or quarantine are measures aimed at interrupting the chains of contamination and thus containing the spread of an infectious disease.
- Disease: Disease means any impairment of physical, mental, or psychological health that is not due to an accident and that requires medical examination or treatment, or that causes a work disability.
- Order of the authorities: By order of the authorities, we mean any directive or order issued by an official authority (detention, entry or exit ban, closure of borders and/or airspace, quarantine, etc.). It is binding.
- Pandemic: A pandemic is the transnational and global spread of an epidemic.
- Insured persons: The insured person is the contractual partner/client of Crion and the circle of people described in the General Insurance Conditions (CGA). Insured persons are covered by insurance.
- Travel service: Travel services include, for example, the booking of a flight, boat, bus or train journey, a transfer by coach or other means of transport to the holiday destination and back, and/or the on-site reservation of a hotel room, holiday apartment, motorhome, habitable barge, or the rental of a yacht.
- Extreme sport: Practice of exceptional sports disciplines subjecting the persons concerned to very strong physical and psychological constraints. The classifications in force of the Suva are particularly decisive.
- Switzerland: The extent of Swiss coverage includes Switzerland and the Principality of Liechtenstein.
- Terrorism: Terrorism means any act or threat of violence perpetrated for political, religious, ethnic, ideological or similar reasons. The act or threat of violence is likely to spread fear or terror among a population or part of it, or to exert influence over a government or the institutions of a state.
- Disorders of all kinds: Acts of violence against people or property on the occasion of a gathering, brawl or riot.
- Vandalism: Intentional and deliberate damage or destruction by unknown third parties.