The all-in-one insurance app: the neotralo app says "Hello"! Why complicated when it could be easier? All policies at a glance and much more! Download here now.
Compare and optimize now.
Various comparison portals on the Internet offer a comparison of health insurances in Switzerland. They proceed according to different evaluation criteria.
Below is the table (as of October 14, 2020) with an overview of the ten health insurances that were taken into account at neotralo.ch and that have also been evaluated by most of the other large comparison portals.
| health insurance | Evaluation by | place | grade |
|---|---|---|---|
| SWICA | |||
| neotralo.ch | 1 | 4,6/5 | |
| comparis.ch | 1 | Grade 5.4 | |
| bonus.ch | 1 | Grade 5.4 | |
| moneyland.ch | 2 | 8,2/10 | |
| k-tip | 1 | 76.7 percent | |
| Helsana | |||
| neotralo.ch | 2 | 4,4/5 | |
| comparis.ch | 1 | Grade 5.4 | |
| bonus.ch | 2 | Grade 5.3 | |
| moneyland.ch | 4 | 7,8/10 | |
| k-tip | not rated | ||
| CSS | |||
| neotralo.ch | 3 | 4,2/5 | |
| comparis.ch | 2 | Grade 5.3 | |
| bonus.ch | 4 | Note 5.1 | |
| moneyland.ch | 6 | 7,5/10 | |
| k-tip | 5 | 63.9 percent | |
| Agrisano | |||
| neotralo.ch | 4 | 4,1/5 | |
| comparis.ch | not rated | ||
| bonus.ch | not rated | ||
| moneyland.ch | 1 | 8,5/10 | |
| k-tip | not rated | ||
| Sanitas | |||
| neotralo.ch | 5 | 4/5 | |
| comparis.ch | 1 | Grade 5.4 | |
| bonus.ch | 2 | Grade 5.3 | |
| moneyland.ch | 3 | 7,9/10 | |
| k-tip | 2 | 74.7 percent | |
| Atupri | |||
| neotralo.ch | 6 | 4/5 | |
| comparis.ch | 3 | Grade 5.2 | |
| bonus.ch | 3 | Grade 5.2 | |
| moneyland.ch | 3 | 7,9/10 | |
| k-tip | not rated | ||
| Concordia | |||
| neotralo.ch | 7 | 4/5 | |
| comparis.ch | 3 | Grade 5.2 | |
| bonus.ch | 2 | Grade 5.3 | |
| moneyland.ch | 5 | 7,7/10 | |
| k-tip | 3 | 65.9 percent | |
| Assura | |||
| neotralo.ch | 8 | 3,6/5 | |
| comparis.ch | 7 | Grade 4.7 | |
| bonus.ch | 8 | Grade 4.7 | |
| moneyland.ch | 10 | 6,7/10 | |
| k-tip | 9 | 39.2 percent | |
| Mutuel | |||
| neotralo.ch | 9 | 3,5/5 | |
| comparis.ch | 5 | Grade 5.0 | |
| bonus.ch | 9 | Grade 4.6 | |
| moneyland.ch | 7 | 7,1/10 | |
| k-tip | 10 | 49.1 percent | |
| EasySana | |||
| neotralo.ch | 10 | 3,5/5 | |
| comparis.ch | 4 | Note 5.1 | |
| bonus.ch | 4 | Note 5.1 | |
| moneyland.ch | not rated | ||
| k-tip | not rated |
As a rule, however, the premiums, increases in premiums and customer satisfaction in terms of service and performance are at the top and are weighted accordingly. Not all comparison portals present the survey results transparently and create a ranking list for health insurance companies.
Such a table can be found on neotralo.ch, which is a good guide for choosing the right health insurance. Others name only the best and the worst insurance companies in a survey or have not rated small health insurance companies. In the table, the places are allocated according to the ranking lists on the respective portals or according to the allocation of points.
It can be seen from this that the SWICA (once again) closes very well. This insurance always manages to convince its customers of its quality. The premiums, customer service and benefits are all right, and SWICA has achieved top marks for several years in a row.
Helsana also knows how to convince, but is not rated by k-tipp. The CSS, on the other hand, is rather mixed. Here the results of a customer survey are particularly impressive. Because the surveyed customers of the health insurance, who have only had good experiences so far, face customers with very negative experiences. From this it follows that the ranking is mixed.
The result is interesting for Agrisano. This health insurance was only rated by two of the five comparison portals mentioned and received very good marks from them (neotralo.ch: 4th place, moneyland.ch: 1st place). The other portals did not take the insurance companies into account, but the customers surveyed are very satisfied. The Agrisano could therefore be serious competition for SWICA, which has so far still managed to assert itself as the top dog.
Mutuel did particularly badly; only a few customers are really satisfied with this health insurance. The main reason for this is the requested repayment that is not paid even after repeated requests. Customer service is generally rated as very poor, frequent inquiries and poor availability seem to characterize this health insurance company. Even if there are satisfied customers, these are obviously those who have not yet had to obtain any real services from Mutuel, but who base their evaluation solely on the low premiums. This evaluation can turn out differently after a performance strain.
Compare all health insurance premiums quickly and free of charge.
The following table compares various cyber insurance providers. It does not claim to be complete, especially as more and more insurances are added and also offer similar insurances. A comparison on neotralo.ch helps to find the right cyber insurance for the company or for private individuals.
| insurance | Coverage amounts | costs | benefits | disadvantage |
|---|---|---|---|---|
| alliance | - Cash advance of up to CHF 2,000 in the event of theft or robbery | currently CHF 41? 50 | - for private individuals | - only as an addition to household insurance |
| -Damage from online banking and financial loss: up to CHF 10,000 | - no deductible required | - no coverage for data loss | ||
| - Card misuse: up to CHF 10,000 | ||||
| -Damage online shopping: up to CHF 10,000 | ||||
| - Violation of personality: up to CHF 10,000 | ||||
| - Legal protection up to CHF 10,000 | ||||
| AXA-ARAG | -Damage from online banking and financial losses: up to CHF 5,000 | currently CHF 62 for individuals and CHF 72.50 for families (in addition to legal expenses insurance: CHF 47 or CHF 58) | - for private individuals | - no coverage for data loss |
| - Card misuse: up to CHF 10,000 (CHF 5,000 for online contracts) | - no deductible required | |||
| -Damage online shopping: up to CHF 5,000 | - Can be taken out as individual insurance | |||
| - Violation of personality: up to CHF 5,000 | - Can also be booked as an addition to legal protection insurance | |||
| - Legal protection up to CHF 10,000 | ||||
| Baloise | -Damage from online banking and financial losses: up to CHF 20,000 | currently between CHF 35 and 59 for individuals, families between CHF 53 and 89 | - Assumption of costs for data recovery up to CHF 20,000 per case of damage | - Deductible of CHF 50 per claim |
| - Card misuse: up to CHF 20,000 | - high performance | |||
| - Damage online shopping: up to CHF 20,000 | ||||
| - Violation of personality: up to CHF 20,000 (costs for psychological counseling up to CHF 3,000) | ||||
| - Legal protection up to CHF 20,000 | ||||
| The furniture | - Damage from online banking and financial loss: up to CHF 20,000 | currently CHF 53-25 for individuals and CHF 69.70 for families | - for private individuals | - only as an addition to household insurance |
| - Card misuse: up to CHF 20,000 | - no deductible required | - Benefits in the event of damage online banking and other max. 3 times a year | ||
| - Damage to online shopping: up to CHF 20,000 | - Free data storage of up to 100 MB per household member | |||
| - Violation of personality: up to CHF 20,000 | ||||
| - Legal protection up to CHF 20,000 | ||||
| - Assumption of data recovery costs up to CHF 5,000 | ||||
| Generali | - Damage from online banking and financial loss: up to CHF 10,000 | currently CHF 140 for individuals and CHF 160 for families | - for individuals and companies | - Deductible at least CHF 50 or 10 percent of the damage |
| - Card misuse: up to CHF 20,000 | - Can be taken out as an addition to household insurance or as individual insurance | |||
| - Damage to online shopping: up to CHF 20,000 | - Assumption of data recovery costs | |||
| - Violation of personality: up to CHF 10,000 | ||||
| - Legal protection up to CHF 10,000 | ||||
| Groupe Mutuel | - Damage from online banking and financial loss: up to CHF 10,000 | currently CHF 70 | - for private individuals | - Can be taken out as individual insurance |
| - Damage online shopping, personal injury, legal protection: up to CHF 10,000 with external legal counsel, otherwise unlimited | - no deductible required | - no coverage for data loss | ||
| - Unlimited benefits when using internal legal assistance | - Limited services for external legal assistance | |||
| Zurich | - own damage coverage | from CHF 360 | - adapted to small and medium-sized companies | - partially double insurance possible |
| - Protection against third party damage | - Self-damage with insured | |||
| - Cyber extortion and cyper terror | ||||
| - crisis management | ||||
| Helvetia | - Compensation for financial loss through manipulation | Contributions must be requested via offer | - Customized scope of services possible | - Deductible possible |
| - data recovery | - Can be locked for companies of all sizes | - Benefits limited in amount | ||
| - Third party damage | - Reimbursement of running fixed costs possible | |||
| - Own damage | - Participation in the awareness program possible | |||
| - Protection against copyright infringement | ||||
| - Internet fraud and fraudulent misrepresentation | ||||
| - optional: damage due to loss of income | ||||
| Chubb | - Damage due to business interruptions | Contributions must be requested via offer | - Comprehensive and individually tailored service package possible | |
| - data recovery | ||||
| - expenses for emergency measures | ||||
| - legal costs | ||||
| - Expenses for crisis communication | ||||
| - Liability due to data breach | ||||
| - Liability for unauthorized use of your network | ||||
| - Cyber extortion payments | ||||
| - Online media liability | ||||
| - Expenses for regulatory investigations | ||||
| Markel | - Individual scope of services with coordinated coverage levels depending on the company and industry | - No overview of contributions, must be requested directly | - Customized scope of services possible | - not for private individuals |
| - For companies | - Minimum deductible of CHF 500 per claim | |||
| - Deductibles up to CHF 5,000 freely selectable | ||||
| - also insured personal damage |
Not only companies but also private individuals need to protect themselves from cyber attacks. They are usually even more carefree about a possible attack, probably based on the motto:? What should I get? Hackers? Fishing? mostly on good luck and often find something. Access data for the online account, the credit card number and passwords for online shopping are particularly popular and, above all, profitable. The damage to those affected is of course particularly great.
Basically, what is important for companies to protect against cyber attacks also applies to private individuals. Leave the firewall switched on, keep virus protection up-to-date and use passwords that are as complicated as possible and different for each page. This makes it particularly difficult for hackers. Users should not only think of the PC, but also of the smartphone or tablet! These tips protect against cyber attacks:
Compare all providers in Switzerland quickly and free of charge.
The size of a company is irrelevant for hackers, so small companies have to protect themselves against cyber attacks as well as large corporations. Any company can be affected, so some basic things should be observed. Cyber insurance can at least partially compensate for damage that has occurred, but it is more important not to let it arise in the first place.
The following expert tips will help companies of all sizes to better protect themselves against cyber attacks. Nevertheless: There is never 100 percent protection, so it is advisable to take out cyber insurance.
Compare all providers in Switzerland quickly and free of charge.
Most people's everyday lives are increasingly controlled digitally. Not least because of the switch to a smart home, the proportion of network usage is increasing. At the same time, however, the risks increase, because increased use also means more points of attack for hackers. Companies are also aware of the risk, because their systems, machines and all technical devices communicate with one another, control production processes and are indispensable in everyday business.
Cyber insurance is intended to ensure that the damage caused by a hacker attack on the network is at least financially eliminated or at least mitigated. When a large-scale hacker attack paralyzed many global corporations in Switzerland in 2017, there were several millions of US dollars in damage, which were primarily caused by the production and communication processes that failed thanks to a lack of computer technology.
If a company can suddenly only work to a limited extent because the computer and server are out of order, sales immediately collapse. Cyber insurance covers various cases of damage, whereby the design of the individual service packages is individually different and can be agreed differently depending on the provider. In addition, the services for companies and private individuals sometimes differ considerably.
Conclusion: Anyone who browses the Internet must expect to be attacked. However, the risk increases depending on the intensity of Internet use and anyone who carries out all business matters, orders, account bookings and device control online, must expect major damage in the event of a hacker attack. For companies, a standstill in production can lead to damage that cannot be immediately repaired. In addition, customers and business contacts can also be damaged. Cyber insurance is therefore absolutely necessary!
If hard drives have been damaged by viruses or Trojans, Swiss cyber insurances will cover the costs of data recovery. This is a big difference to the insurers who target private individuals with their services, because data recovery is usually excluded there.
The rescue costs for companies are limited in the area of data loss and amount to up to 20,000 francs. However, the insurance company does not guarantee that the data will be saved.
Another service area includes identity theft. Stolen identities often lead to fraudulent transactions that can affect both businesses and individuals.
For example, credit and company cards are misused, which can result in high financial losses. However, many insurers rule out damage from online banking or mobile payment from the outset.
The area of online shopping also usually affects companies less, although they are also placing more and more orders on the Internet. Anyone who, as an entrepreneur, knows that purchasing and sales are primarily carried out via the Internet, should definitely take out insurance in this regard and include appropriate insurance protection in their cyber insurance.
Compensation or benefits in the event of personality violations are also included in the scope of services of the insurer. Furthermore, legal protection must be added, which is important at least for the initial consultation in the event of damage. Depending on the provider, a complete legal aid is included in the scope of services or the amount for this is capped.
Compare all providers in Switzerland quickly and free of charge.
Not every insurance company offers cyber insurance. In Switzerland there are so far only a few providers who offer protection against cyber attacks, and not all of them can be taken out as individual insurance policies.
providers | Solution in comparison |
|---|---|
alliance | An online and purchase protection letter is offered, this must be taken out in addition to the normal household contents insurance. All normal risks are insured here, but possible data loss is not included. A deductible is not necessary, the insurer offers a cash advance of CHF 2,000 in the event of theft or robbery. Legal protection applies worldwide. |
AXA-ARAG | This cyber insurance can be taken out as an individual insurance and also excludes damage due to data loss. The amount of the costs to be reimbursed is capped. Alternatively, an additional insurance to an already existing legal protection insurance can be taken out with the same provider. The maximum sum insured is then up to one million Swiss francs for the entire insurance year. However, coverage for possible data loss is not possible. |
Baloise | Baloise offers real cyber insurance, which the provider also bears this name and is not limited to legal protection benefits. The insurance can be taken out independently of other products and can be booked in different variants. Loss of data is included here; compensation payments are also granted for other damages such as card misuse or personal injury, which are not limited to pure legal protection as with the first-mentioned providers. Depending on the insured event, however, legal protection is included. |
The furniture | This insurance offered a cyber protection service package that can only be taken out in combination with household insurance and is therefore aimed at private individuals. The? Classic? or? family? can be booked, legal protection insurance is included up to a damage amount of CHF 20,000. A deductible is not necessary. |
Generali | Generali also offers cyber insurance, which can be booked as individual insurance or as a supplement to household insurance. The deductible is agreed here with 10 percent, at least 50 euros per claim must be paid by yourself. Protection in the event of data loss, assumption of costs in the event of financial loss and limited legal protection costs are regularly included with this provider. Legal protection costs are limited to CHF 10,000 per claim. |
Groupe Mutuel | This provider also offers individual insurance without a deductible. Assumption of damage in the event of data loss is not possible; unlimited legal protection is possible if Dextra experts take over the case. Otherwise, CHF 10,000 is the upper limit for legal counsel, although this can only be used in connection with damage to personal rights and for online contracts. |
Zurich | Züricher Versicherungsgesellschaft AG offers cyber insurance that companies can take out separately. Loss of data and the involvement of experts are taken over, and our own experts are available around the clock to advise on cyberattacks. |
Helvetia | Like other insurers, Helvetia now also offers cyber insurance; the benefits can be compared with those of Zurich Versicherung. In addition, Helvetia offers security checks for companies as well as security training for employees of customer companies. |
Chubb Insurance | This insurer offers a particularly comprehensive service package for corporate customers. All the usual cybersecurity services are included, plus there is also a service for online media liability and expenses for regulatory liabilities. A specialized cyber emergency team is also available. |
Markel Insurance | The insurer has a branch in Zurich and offers tailor-made insurance protection for freelancers, the self-employed and SMEs. The deductible is set here at CHF 500 per claim, the insurance cover applies worldwide. |
Compare all providers in Switzerland quickly and free of charge.
The latest figures are available for the 2019 annual review. According to Statista, 388,939 cybercrime incidents were registered in August 2019. That was significantly fewer than in January of that year, when 442,276 cases had been registered. The perpetrators were particularly active in the area of networks and attacked corporate and private networks. Infected advertising banners, however, became rarer.
SVV, ICTswitzerland, ISB, ISSS and SVV carried out a joint study that looked at cyber attacks. The result was frightening: more than a third of all companies surveyed had already been affected by a cyber attack, but only four percent see it as a great danger to be hit again by such an attack and to see their own existence threatened.
The experts were shocked by the carelessness and the high number of cyber attacks. The main results of the study said:
Just spying on sensitive data is no longer the only way cybercriminals take. Among other things, they rely on ransomware and thus block access to the computer of the company or a private person.
The PC will only be activated again after the ransom has been paid. This is a scam that is also often used to extort Bitcoins or other crypto currencies. However, there are defense programs that prevent such software or its execution. However, this defense software is used too seldom by companies.
In general, the companies are still too unprotected. While the basic cyber protection measures have improved significantly and around 60 percent are using protection against malware, a firewall and backups, the other possible measures can still be expanded. This is very surprising, because in mid-2017 many Swiss companies became victims of a cyber attack by ransomware software.
Even large companies like Merck, Reckitt Benckiser and Beiersdorf were paralyzed by "NotPetya", an encryption Trojan. The effects were felt for months. The Mondelez group, which was also affected, stated at the time that sales in the second quarter had been lost by around half of the usual growth.
By the end of 2017, the damage caused by the Trojan was estimated at up to 84 million US dollars, and soon the sum of 100 million US dollars was in the room. More than 1,700 servers and 24,000 laptops were damaged. Other companies even reported damages of up to 300 million US dollars.
Compare all providers in Switzerland quickly and free of charge.
