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Old 02.07.2009, 19:34
lokami lokami is offline
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Location: zurich
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Re: Travel insurance - recommendations?

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unfortunately not in English...

http://www.erv.ch/main.php?chapter=1200
Exists in French though. Good enough for me. That's what I will take.

I am glad I could read it because the insurance policy has this insane string of exclusions (each is nested into the previous one). Essentially:
I am covered for injuries abroad,
EXCEPT if there is a war or it's a terrorist act
EXCEPT if the injury is sustained following the highjacking of a plane, during the period of captivity that follows, while jumping in parachute if needed to save my life, while crashlanding if needed, while returning home after the crashlanding/jump or while continuing my voyage after that (up to a full year)
EXCEPT if the war is between Switzerland and a neighbouring country or among some countries like the UK, the ex Soviet Union, the US, China or one of those and a European country, and 48 hours have passed since the beginning of the war
EXCEPT if the parachute jump/crash-landing has already taken place (then I have a full year also to make it home/to my destination).

At least half of the premium has to go to the lawyers who drafted this. They must not sleep very well at night, frantically writing their nightmares into policies.
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