Правовая информация

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

The following listed products will be sold without prior advice from Swisscare Services Ltd. The advice is therefore not based on a personal market research.

• 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. 

• Expat compare
• KVG swiss

Product mediation

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

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.

Insurers

The insurer of the following listed products is Anker Verzekeringen 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 : 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.

• Studentpass Czech Republic

The insurers or providers listed below have an agreement with Swisscare Services Ltd. for Expat compare, the comparison service of Swisscare.

Products

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.

Swisscare, as the insurance broker,  is not an insurance company and therefore cannot be held responsible for contractual or claims complaints.

Click here to start the complaint procedure

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

We use cookies on our website, to tailor our services. Cookies are identifiers that can identify you during the duration you use the website. In your browser settings, you can change the settings so that you are informed when cookies are used. This way the use of cookies becomes transparent to you.

For cookies we use Google Analytics, you can find their privacy policy here: https://policies.google.com/privacy?hl=en

However, we encrypt URL’s so that we don’t know who is on our website, and we use this information purely for statistics, for example in order to know which products are popular in which country. This information is not transferred to third parties.

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.

Copyright

All trade marks and brands mentioned on the website, including those protected by third parties, are without limitation subject to the provisions under the respective intellectual property law and the rights of the copyright holder. The sole mentioning of a trade mark on this website should not lead to the assumption that it is not protected by the rights of a third party! The author of the website has the exclusive copyright to all published objects created by him-/herself. The reproduction or use of any such graphics, audio documents, video sequences or texts in other electronic or printed publications is prohibited without the author’s express written consent.

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.