A comparison of all Swiss cyber insurances

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.

insuranceCoverage amountscostsbenefitsdisadvantage
alliance- Cash advance of up to CHF 2,000 in the event of theft or robberycurrently 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 5,000currently 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 20,000currently 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 20,000currently 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 10,000currently 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 10,000currently 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 coveragefrom 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 manipulationContributions 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 interruptionsContributions 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

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