Frequently Asked Questions

Chubb Travel Insurance FAQs

Questions by category:

Types of Insurance & Eligibility

Yes, but the premiums will be based on the last person's return date and your own coverage will end as soon as you reach your residence.

Chubb Travel Insurance can be purchased by persons who have their place of residence in Switzerland.

No, you are unable to as travel insurance has to be purchased before your departure.

Medical Cover

No, because the Emergency Medical Costs Abroad cover is valid according to the policy for private trips worldwide except for Switzerland.

Yes, emergency dental treatment is covered up to a maximum of CHF 1’000 and, in the event of damage to dental prostheses, necessary measures for repairing the ability to chew up to a maximum of CHF 1’000.

No, the policy does not cover any pregnancy-related issues other than accidental miscarriage.

No, Chubb Travel Insurance does not have this option.

Past events and pre-existing conditions:

  • There is, as a matter of principle, no insurance cover for any of the insurance components for events that had already occurred at the time of taking out the insurance, or at the time of booking the travel package or at the time of beginning the trip; the same applies to events that were known on taking out cover, on booking the trip or on beginning the trip.
  • There is no insurance cover for events that had already occurred or should have been known at the time the insurance was concluded or the journey was booked.
  • There is no insurance cover for illnesses or accidents which had already occurred at the start of the journey. There is an exception for any unforeseen acute worsening of health due to a chronic condition.
  • There is no insurance cover for any symptoms or illnesses existing at the start of the journey and the consequences and complications of such symptoms or illnesses.

No medical examination is required. However, exclusion for Pre-existing Condition will apply.

Trip Cancellation

Inability to obtain an entry visa is not a covered cause under Cancellation.

Yes, if the event occurs within seven (7) days before the Scheduled Departure Date and such claim are accompanied with travel advice from the relevant authority.

You are covered:

  • for Cancellation in case of an unforeseen warning by the Swiss Federal Department for Foreign Affairs or any similar authority not to visit the country of destination for which you had previously booked the journey and/or
  • if war, terroristic acts, civil unrest of any kind or natural catastrophes at the destination of travel place your or the life of other insured persons in danger, and advice against undertaking the trip is issued by the Swiss Federal Department Of Foreign Affairs (EDA).

General

For some covers a deductible might apply. Please refer to the Conditions of Insurance for more information.

You are covered:

  • for Cancellation in case of an unforeseen warning by the Swiss Federal Department for Foreign Affairs or any similar authority not to visit the country of destination for which you had previously booked the journey and/or
  • if war, terroristic acts, civil unrest of any kind or natural catastrophes at the destination of travel place your or the life of other insured persons in danger, and advice against undertaking the trip is issued by the Swiss Federal Department Of Foreign Affairs (EDA).

Yes, you are covered for Accidental Death and Disablement benefit from the time you leave your home to the airport once your policy is in force. Cover shall cease when you are back after clearing the immigration/upon expiry of the Period of Insurance.

The above FAQ should be read and construed in light of, and subject to, all terms, conditions and exclusions contained in the Policy.