Legal information

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Swisscare Services Ltd.

Insurance intermediary EU / EEA / CH in and outbound

License

Swisscare Services Ltd., Alte Landstrasse 6, 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. Swisscare Services Ltd. is an insurance intermediary with cross border license for EU/EEA and registered by the FMA, Finanzmarktaufsicht Liechtenstein under the license number 10091. Our license can be verified online with the public register of insurance intermediaries of the FMA (register.fma-li.li).

Participations

Swisscare hold 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 have any commercial stake or participation resp. votation rights with Swisscare Services Ltd.

Plans sold without advice

We are legally obliged to notify you of that 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 will be sold without prior advice from Swisscare :

  • International student insurance
  • International travel insurance
  • Schengen travel insurance
  • International globetrotter travel insurance

Services sold with advice

The following-listed products will be sold with prior advice from Swisscare Services Ltd.

  • KVG swiss

Product mediation

Swisscare Services Ltd. is not contractually obligated to mediate insurance products with only one or several insurance companies.

Insurers

The insurer of the following listed products is Anker Insurance  n.v. Paterswoldseweg 812 at 9728 BM Groningen, 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 insurance Europe : standard, comfort,premium
  • International travel insurance : standard, comfort, premium
  • Schengen travel insurance
  • International globetrotter travel insurance : standard, comfort, premium

The insurer of the following-sold product is The policy is underwritten and insured by ERGO pojišťovna, a.s., Company ID No.: 618 58 714, engaged in insurance activities and activities related to insurance and reinsurance activities pursuant to Act No. 277/2009 Coll., on Insurance, as amended.

  • International student insurance Czech Republic : standard

Financial remuneration

Swisscare Services 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.

Products documentation

Terms and conditions

All products provide their own terms and conditions and insurance product information sheet. You can find all documentation in our document center

Complaint procedure

As a consumer, you have the right to file a complaint concerning your insurance product, the implicated insurer, or intermediary. Inside each insurance policy, you will often find several parties for example an underwriting insurer, an assistance partner, claims handler and an insurance broker.

For claims, reimbursements and policy renewals :

Swisscare, is an insurance intermediary and not an insurance company and therefore cannot be held responsible for contractual or claims complaints. For such complaints, please contact Anker Insurance Company n.v. for the following plans  :

  • International student insurance Europe (Finland, Estonia, Spain… E.U.)
  • International travel, schengen and globetrotter insurance

Anker Insurance Company n.v
Complaint director
Paterswoldseweg 812
P.O. box 8002
9702 KA Groningen

The Netherlands

For consulting, analysis, displayed information  :

For an official complaint concerning the intermediation of the insurance product (information, consulting, services…)

First instance that will solve 99% of the cases :

Swisscare Services Ltd.
Complaint director
Landstrasse 20
9496 Balzers

P. +423 384 05 05
E. [email protected]

Second  instance if with Swisscare complaint director no solution can be found :

Liechtensteinische Schlichtungsstelle
Mitteldorf 1
Postfach 343
9490 Vaduz
Fürstentum Liechtenstein
Telefon + 423 238 10 30
Fax + 423 238 10 31
eMail [email protected]

Last  instance if with the Liechtensteinische Schlichtungsstelle no solution can be found  :

Finanzmarktaufsicht Liechtenstein (FMA)
Landstrasse 109
Postfach 279
9490 Vaduz
Liechtenstein
Telefon +423 236 73 73
Fax +423 236 73 74
E-Mail [email protected]

 

 

 

Swisscare Insurance Service (Switzerland) AG

Insurance agent of ERV (Europäische Reiseversicherungs AG) – CH in and outbound

License

Swisscare Insurance Services (Switzerland) AG is a shareholder company registered in the company index of Switzerland under the registration number CHE‑112.334.543.Swisscare Insurance Services (Switzerland) AG is an insurance agent of the insurer EUROPÄISCHE Reiseversicherungs AG, St. Alban-Anlage 56, Postfach , CH-4002 Basel. The insurer is registered by the FINMA with the licenses B1 and B2.

Participations

Swisscare hold 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 have any commercial stake or participation resp. votation rights with Swisscare Insurance services (Switzerland) AG.

Plans sold without advice

We are legally obliged to notify you of that 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 will be sold without prior advice from Swisscare :

  • International student health insurance Switzerland

Product mediation

Swisscare Insurance Service (Switzerland) AG is not contractually obligated to mediate insurance products with only one or several insurance companies.

Insurers

The insurer of the following listed products is Europäische Reiseversicherungs AGSt. Alban-Anlage 56, Postfach , CH-4002 Basel. The insurer is registered by the FINMA with the licenses B1 and B2.

  • International student insurance Switzerland : standard, comfort,premium

Financial remuneration

Swisscare Insurance Services (Switzerland) AG. 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.

Products documentation

Terms and conditions

All products provide their own terms and conditions and insurance product information sheet. You can find all documentation in our document center

Complaint procedure

As a consumer, you have the right to file a complaint concerning your insurance product, the implicated insurer, or intermediary. Inside each insurance policy, you will often find several parties for example an underwriting insurer, an assistance partner, claims handler and an insurance broker.

For claims, reimbursements and policy renewals :

Swisscare, is an agent and not an insurance company and therefore cannot be held responsible for contractual or claims complaints. For such complaints, please contact Europäische Reiseversicherungs AG. for the following plans  :

  • International student insurance Switzerland

EUROPÄISCHE Reiseversicherungs AG
Complaint director
St. Alban-Anlage 56, Postfach
CH-4002 Basel
Schweiz

Tel.: +41 58 275 22 10
Fax.: +41 58 275 27 42

[email protected]

Swisscare Asia Limited
Insurance intermediary Hong Kong

License

Swisscare Asia limited, 1101,11/F, Lee Garden Two,, 28 Yun Ping Road, Causeway Bay, Hong Kong is a limited company registered in the company index of Hong Kong under the registration number 2361423. Swisscare Asia limited is an insurance intermediary registered under the license ID 0552 by the Hong Kong Regulator : “The Hong Kong Confederation of insurance Brokers”.

Participations

Swisscare Asia Limited  hold 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 have any commercial stake or participation resp. votation rights with Swisscare Asia Limited.

Plans sold with advice

The following listed services will be sold with advice :

  • Expat Compare
  • International student insurance

Financial remuneration

Swisscare Asia Limited 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.

Products documentation

Terms and conditions

Our clients receive from Swisscare Asia Limited all necessary and relevant documents for the conclusion of the insurance policy.

This include :

  • Brochure
  • Terms and conditions
  • Application form

Complaint procedure

As a consumer, you have the right to file a complaint concerning your insurance product, the implicated insurer, or intermediary. Inside each insurance policy, you will often find several parties for example an underwriting insurer, an assistance partner, claims handler and an insurance broker.

For claims, reimbursements and policy renewals :

Swisscare is an intermediary and not an insurance company and therefore cannot be held responsible for contractual or claims complaints. For such complaints, please contact THE INSURANCE COMPANY stated in the insurance terms and conditions.

For consulting, analysis, displayed information  :

For an official complaint concerning the intermediation of the insurance product (information, consulting, services…)

First instance that will solve 99% of the cases :

Swisscare Asia Limited
1101,11/F, Lee Garden Two
28 Yun Ping Road
Causeway Bay
Hong Kong

Data protection & GDPR

Data Protection Officer

The Data Protection Officer of Swisscare Services Ltd., Swisscare Asia Limited and Swisscare Insurance Services Switzerland AG is

Swisscare Services Ltd.
Carolina Souviron
Data Protection Officer
Landstrasse 20
9496 Balzers

[email protected]
Tel. +423 384 05 05

Data Collection and Processing

We only collect and process your data, if you use our services available on our website. We only collect and use data that is necessary for us to be able to offer and render our services to you.

Data is only processed if there is a legal or contractual basis, or if we have explicit conent.

We only transfer the data to partners if there is a contractual basis or in order to perform a service, for example in order to obtain a quote within one of our partners for you. We do not transfer data to unauthorized third parties. All employees and partners are subjected to NDA’s and obliged to keep your data secret.

Policies review

We take data protection seriously and regularly review our policies, in order to ensure that your data is safe and treated in a compliant and transparent manner.

When you obtain an insurance through us, you automatically create an account. This we do in order ensure correct identification so that we can exclude access through unauthorized third parties.

Cookies Policy

This is the Cookie Policy for swisscare.com, accessible from https://swisscare.com

What Are Cookies

As is common practice with almost all professional websites this site uses cookies, which are tiny files that are downloaded to your computer, to improve your experience. This page describes what information they gather, how we use it and why we sometimes need to store these cookies. We will also share how you can prevent these cookies from being stored however this may downgrade or ‘break’ certain elements of the sites functionality.

For more general information on cookies see the Wikipedia article on HTTP Cookies.

How We Use Cookies

We use cookies for a variety of reasons detailed below. Unfortunately in most cases there are no industry standard options for disabling cookies without completely disabling the functionality and features they add to this site. It is recommended that you leave on all cookies if you are not sure whether you need them or not in case they are used to provide a service that you use.

Disabling Cookies

You can prevent the setting of cookies by adjusting the settings on your browser (see your browser Help for how to do this). Be aware that disabling cookies will affect the functionality of this and many other websites that you visit. Disabling cookies will usually result in also disabling certain functionality and features of the this site. Therefore it is recommended that you do not disable cookies.

Account related cookies

If you create an account with us then we will use cookies for the management of the signup process and general administration. These cookies will usually be deleted when you log out however in some cases they may remain afterwards to remember your site preferences when logged out.

Login related cookies

We use cookies when you are logged in so that we can remember this fact. This prevents you from having to log in every single time you visit a new page. These cookies are typically removed or cleared when you log out to ensure that you can only access restricted features and areas when logged in.

Email newsletters related cookies

This site offers newsletter or email subscription services and cookies may be used to remember if you are already registered and whether to show certain notifications which might only be valid to subscribed/unsubscribed users.

Forms related cookies

When you submit data to through a form such as those found on contact pages or comment forms cookies may be set to remember your user details for future correspondence.

Site preferences cookies

In order to provide you with a great experience on this site we provide the functionality to set your preferences for how this site runs when you use it. In order to remember your preferences we need to set cookies so that this information can be called whenever you interact with a page is affected by your preferences.

Third Party Cookies

In some special cases we also use cookies provided by trusted third parties. The following section details which third party cookies you might encounter through this site.

This site uses Google Analytics which is one of the most widespread and trusted analytics solution on the web for helping us to understand how you use the site and ways that we can improve your experience. These cookies may track things such as how long you spend on the site and the pages that you visit so we can continue to produce engaging content.

For more information on Google Analytics cookies, see the official Google Analytics page.

From time to time we test new features and make subtle changes to the way that the site is delivered. When we are still testing new features these cookies may be used to ensure that you receive a consistent experience whilst on the site whilst ensuring we understand which optimisations our users appreciate the most.

The Google AdSense service we use to serve advertising uses a DoubleClick cookie to serve more relevant ads across the web and limit the number of times that a given ad is shown to you.

For more information on Google AdSense see the official Google AdSense privacy FAQ.

We also use social media buttons and/or plugins on this site that allow you to connect with your social network in various ways. For these to work the following social media sites including; {List the social networks whose features you have integrated with your site?:12}, will set cookies through our site which may be used to enhance your profile on their site or contribute to the data they hold for various purposes outlined in their respective privacy policies.

More Information

Hopefully that has clarified things for you and as was previously mentioned if there is something that you aren’t sure whether you need or not it’s usually safer to leave cookies enabled in case it does interact with one of the features you use on our site.

However if you are still looking for more information then you can contact us through one of our preferred contact methods:

Email: [email protected]

Use and transfer of your personal data

Personal data collected by us is always linked to a clear purpose for processing, storage, and use. Your data is transferred to partners and third parties if there is a clear legal basis, consent, and purpose. For example in order to obtain quotes from partners, to render you a service, or if there is a legal obligation.

Right of Access

Upon written request we will let you know in writing, if personal data of yours is being processed and should this be the case in which form.

Security

We protect your data through technical and organizational measures from unauthorized access. loss or destruction. Our security measures constantly being ameliorated as technology advances.

Emails

Please ensure you send emails with sensitive information to the correct recipient. We can not guaranty without fail, that your emails are always safe, so we recommend encrypting sensitive information in order to avoid interception or corruption of your files.

Servability

Severability

This legal information is part of the website linked to this page. If parts of this text or certain wordings are not, no longer or not completely in line with current legislation, it will not prejudice the rest of the document in terms of content or validity.