Claim examples

Hiking accident in the Bernese Oberland On a mountain hike, Markus, a pensioner, falls and breaks his leg. The 144 emergency call centre is contacted and immediately sends a rescue helicopter, which takes Markus to the nearest hospital. SOS144 covers the costs.

Cost breakdown Helicopter rescue CHF 5'500 Total costs CHF 5'500 Covered by basic health insurance CHF 2'250 Covered by SOS144 * CHF 2'250 Deductible CHF 0

Without SOS144, Markus would have paid CHF 2'250 out of pocket.

Fainting spell in the garden Reto has a fainting spell while gardening. His wife calls 144. The ambulance takes Reto to the nearest hospital for a check-up.

Cost breakdown Patient transport by ambulance CHF 1'350 Total costs CHF 1'350 Basic health insurance share CHF 500 Covered by SOS144 * CHF 850 Deductible CHF 0

Without SOS144, Reto would have paid CHF 850 out of pocket.

Skiing accident in Graubünden After a fall on the piste, Nina, a student, is flown by helicopter to the nearest suitable hospital.

Cost breakdown Helicopter rescue CHF 3'800 Total costs CHF 3'800 Basic health insurance share CHF 1'900 Covered by SOS144 * CHF 1'900 Deductible CHF 0

Without SOS144, Nina would have paid CHF 1'900 out of pocket.

Falling ill in Costa Rica Tim, a student, falls seriously ill during his long-awaited language stay in Costa Rica. After the doctors on site and our alarm centre had assessed his condition, Tim was repatriated to Switzerland by air ambulance.

Cost breakdown Repatriation by air ambulance CHF 100'000 Total costs CHF 100'000 Covered by SOS144 * CHF 100'000 Deductible CHF 0

Without SOS144, Tim would have paid CHF 100'000 out of pocket.

Road accident overseas After a road accident, Lukas spends several days in hospital. SOS144 Max covers the costs.

Cost breakdown Hospital abroad CHF 45'000 Total costs CHF 45'000 Covered by accident insurance CHF 15'000 Covered by SOS144 Max * CHF 30'000 Deductible CHF 0

Without SOS144 Max, Lukas would have paid CHF 30'000 out of pocket.

Appendix operation in the USA Michael gets severe stomach pain in the USA and needs emergency surgery. After the operation, Michael stays in hospital for four nights.

Cost breakdown Operation and four nights in hospital CHF 40'000 Total costs CHF 40'000 Basic health insurance share CHF 20'000 Covered by SOS144 Max * CHF 20'000 Deductible CHF 0

Without SOS144 Max, Michael would have paid CHF 20'000 out of pocket.

Baggage lost during a stopover Mrs Lehmann's suitcase goes missing while she changes planes in London. In the weeks that follow, the airline still cannot find it.

Cost breakdown Replacing the contents CHF 1'800 Total costs CHF 1'800 Covered by SOS144 Max * CHF 1'800 Deductible CHF 0

Without SOS144 Max, Mrs Lehmann would have paid CHF 1'800 out of pocket.

Trekking in the Himalayas After months of preparation, Jan sets off on a multi-day trek in the Himalayas. On the third day, at around 5'000 metres, he runs into a medical emergency and has to be rescued. After a medical assessment, the alarm centre arranges his repatriation to Switzerland by air ambulance.

Cost breakdown Rescue trekking cover CHF 4'000 Hospital abroad CHF 1'200 Repatriation by air ambulance CHF 140'000 Total costs CHF 145'200 Covered by basic health insurance CHF 1'000 Covered by SOS144 Max * CHF 144'200 Deductible CHF 0

Without SOS144 Max, Jan would have paid CHF 144'200 out of pocket.

Flat battery in Switzerland After a short stop at a motorway services, Paul's car will not start because the battery is flat. He contacts the alarm centre, which arranges breakdown assistance. The mechanic fixes the problem on the spot, so Paul can carry on with his journey.

Cost breakdown Breakdown assistance CHF 280 Total costs CHF 280 Covered by RoadAssist * CHF 280 Deductible CHF 0

Without RoadAssist, Paul would have paid CHF 280 out of pocket.

Gearbox failure in Germany The Müller family has to break off their journey because of a gearbox failure. After they contact the alarm centre, breakdown assistance is arranged and the car is towed to the nearest garage. As they cannot drive on, the Müller family continues the journey by train.

Cost breakdown Towing CHF 380 Onward journey by train CHF 270 Total costs CHF 650 Covered by RoadAssist * CHF 650 Deductible CHF 0

Without RoadAssist, the Müller family would have paid CHF 650 out of pocket.

Flat tyre on the way to work On his way to the office, Kevin notices a flat tyre. Taking a closer look, he finds that a nail is causing the air loss. He calls the alarm centre, which arranges breakdown assistance. The tyre is patched up on the spot, so Kevin can carry on to the office.

Cost breakdown Breakdown assistance CHF 180 Total costs CHF 180 Covered by RoadAssist * CHF 180 Deductible CHF 0

Without RoadAssist, Kevin would have paid CHF 180 out of pocket.

Car park damage in Spain After shopping at the market, Laurenz notices damage to his rental vehicle. While he was away, an unknown driver scraped the car. The rental company then charges him the deductible agreed in the contract.

Cost breakdown Rental vehicle deductible CHF 1'200 Total costs CHF 1'200 Covered by DriveCover * CHF 1'200 Deductible CHF 0

Without SOS144 DriveCover, Laurenz would have paid CHF 1'200 out of pocket.

Tyre and wheel rim damage On a country road, Laura damages the tyre and wheel rim of her rental vehicle so badly that both have to be replaced. As tyre and rim damage is often excluded from the rental company's insurance, Laura is covered by DriveCover.

Cost breakdown Tyre and wheel rim CHF 630 Total costs CHF 630 Covered by DriveCover * CHF 630 Deductible CHF 0

Without SOS144 DriveCover, Laura would have paid CHF 630 out of pocket.

Rental car theft During his road trip through Morocco, Thomas's rental car is stolen. After he reports the theft, the rental company charges him the deductible agreed in the contract.

Cost breakdown Rental vehicle deductible CHF 2'800 Total costs CHF 2'800 Covered by DriveCover * CHF 2'800 Deductible CHF 0

Without SOS144 DriveCover, Thomas would have paid CHF 2'800 out of pocket.