Swisscare Europe Ltd.
FMA License
Swisscare Europe Ltd. is an insurance broker with a cross border license for EU/EEA and registered with the FMA, Financial Market Authority, Liechtenstein under the license number 189135 Our license can be verified online with the public register of insurance intermediaries of the FMA (register.fma-li.li).
Company index
Swisscare Europe Ltd., Landstrasse 20, 9496 Balzers (Principality of Liechtenstein) is a limited company registered in the company index in the Principality of Liechtenstein under the registration number FL-0002.465.148-2.
Participations
Swisscare holds no commercial stake or participation resp. votation rights with an insurance company or the parent enterprise of an insurance company. No insurance company or parent enterprise of an insurance company has any commercial stake or participation resp. votation rights with Swisscare Europe Ltd.
Scope of Advice
Swisscare does not offer personal advice for the insurance products sold online unless specifically requested by the client. We are legally obliged to notify you of the fact that not having a personal consultation can have a negative impact on making a claim based on a breach of the consultation obligation.
The following listed products are sold without prior advice from Swisscare:
- International student health insurance Europe
- International student health insurance Latvia / Lithuania
- International student health insurance Spain limited
- International student health insurance Spain unlimited
- International travel insurance
- Low cost Schengen Visa insurance
- International essential medical insurance
- International student health insurance Germany
Financial remuneration
Swisscare Europe Ltd. receives financial compensation for insurance contracts that have been concluded through the website. Swisscare receives remuneration in the form of a commission from the insurance company, whose product we mediate. This commission is a premium component integrated into the insurance premium to be paid.
Swisscare receives a market-standard brokerage commission from the referred insurance company depending on the insurance product and represents a percentage of the gross premium received, after subtracting any federal stamp duty.
Products documentation
Every product has its own GIC’s and Insurance Product Information Sheet (IPID). You can find all the documentation under Downloads.
Product mediation, insurers, products, and claims complaints
Swisscare Europe Ltd. is not contractually obligated to mediate insurance products from only one or several insurance companies. Swisscare Europe Ltd. is permitted to and does conduct business with the following insurance undertakings:
Anker Insurance Company n.v. (Netherlands)
The following products are insured by Anker Insurance Company n.v. at Paterswoldseweg 812, 9728 BM Groningen, the Netherlands. Anker is registered with the Autoriteit Financiële Markten (AFM) (the Dutch Authority for the Financial Markets) under number 12000661 and is authorised by De Nederlandsche Bank (“DNB”).
- International student health insurance Europe
- International travel insurance
- Low cost Schengen Visa insurance
- International essential medical insurance
Complaint procedure:
As a policyholder of the products listed above, you have the right to file a complaint regarding your contractual or claims disputes with the following insurer:
Anker complaints coordinator
Freepost Number 8015, 9700VK Groningen, the Netherlands
Email: [email protected]
Phone: +31 50 520 99 74
Gjensidige (Latvia)
The following product is insured by ADB “Gjensidige” Latvian Branch, Reģ. Nr. 40103595216 • Brīvības iela 39, Rīga, LV-1010, Latvija • Tālrunis: 67112222 • Fakss: 67106444 • E-pasts: [email protected]. • www.gjensidige.lv
- International student insurance Latvia
- International student insurance Lithuania
Complaint procedure:
As a policyholder of the products listed above, you have the right to file a complaint regarding your contractual or claims disputes with the following insurer:
Clínicum Seguros, S.A. (Spain)
The following product is insured by Clínicum Seguros, S.A., Mercantile Registry of Barcelona, T. 581. L. 147, 2nd Sec. (Companies). F. 119. H. 2.029, dated 17/03/1949. C.I.F. A08169690.
Inscribed in the special registry of Insurance Providers of the Spanish Ministry of Finance O. M. of 21 July 1956. C-225. Inscribed in the census registry of the General Directorate of Healthcare Planning and Management of the Autonomous Government of Catalonia, number 45.
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International Student Health Insurance Spain Unlimited
Complaint procedure:
As a policyholder of the products listed above, you have the right to file a complaint regarding your contractual or claims disputes with the following insurer:
a. In person in the main offices of Clínicum, Passeig de Gràcia, 121 (Barcelona)
b. By post to Passeig de Gràcia, 121 – 08008 Barcelona
c. By email to: [email protected]
Advigon Versicherung AG (Liechtenstein)
Advigon Versicherung AG, Drescheweg 1, 9490 Vaduz, Liechtenstein, is registered under the number FL-0002.181.006-7 in the corporate register of the Principality of Liechtenstein in Vaduz, and the Financial Market Authority (FMA) in Liechtenstein.
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International student health insurance Germany
Complaint procedure:
As a policyholder of the products listed above, you have the right to file a complaint regarding your contractual or claims disputes with the following insurer:
Advigon Versicherung AG
Complaints Management
PO Box 1130
Drescheweg 1
9490 Vaduz
Liechtenstein
E-mail: [email protected]
Internet: www.advigon.com
Complaint Procedure
As a consumer and in accordance with article 37 para. 2 lit. E VersVertrG (Act on Insurance Contracts) you have the right to file a complaint concerning your insurance and related services. The products are underwritten by different insurers and they are located in different countries.
If your complaint concerns claims, or a product, you will find above the direct contacts from the insurer concerned with your product.
If the complaint concerns insurance brokerage services provided by Swisscare Europe Ltd. you can file a complaint:
SWISSCARE Europe Ltd.
Landstrasse 20
9496 Balzers
Liechtenstein
[email protected]
P. +423 384 05 05
Other possibilities of complaints
In accordance with Art. 75 VersVertG in conjunction with the Financial Services Conciliation Board Ordinance (FSV), the extrajudicial conciliation board is responsible for settling disputes between client and insurance distributors regarding the services provided.
Conciliation board of Liechtenstein, Dr. Peter Wolff, Attorney-at-Law, Landstrasse 60, P.O. Box 343, FL-9490 Vaduz, Principality of Liechtenstein, http://www.schlichtungsstelle.li/
Complaints about insurance intermediaries pursuant to Art. 74 VersVertG can be received by Finanzmarktaufsicht Liechtenstein FMA, Landstrasse 109, P.O. Box 279, FL-9490 Vaduz, Principality of Liechtenstein.