What to do in an emergency?

For emergency transport in Switzerland, call the emergency number 144. In the event of an emergency abroad, inform the ERV ALARM CENTRE immediately. You can reach the ALARM CENTRE 24 hours a day either by calling +41 848 801 803 or by calling the toll-free number +800 8001 8003. It is available day and night (also on Sundays and public holidays). The ALARM CENTRE advises you on the appropriate procedure and organises the necessary help.

Please have the following information ready:

  • Who needs help?
  • Where and why?
  • How can you be reached?

Medical emergency call within Switzerland (in case of medical emergencies)

144

General emergency call within the EU

112

24-hours Alarm Centre of ERV

+41 (0)848 801 803

Toll-free phone number for ERV Alarm Centre (not available in all countries)

+800 8001 8003

Frequently asked questions (FAQ)

Services SOS 144 International Rescue Card

Are the rescue costs covered by the SOS 144 International Rescue Card, regardless of which organisation is used?

Yes. This insurance covers the rescue costs the portion domestically and abroad not covered  - regardless of the organisation and regardless of whether an ambulance or a rescue helicopter (or both) was used.

Is this Rescue Card also valid abroad?

Yes. You are insured worldwide with the SOS 144 products. So if a rescue mission is needed on a trip abroad, these rescue costs are already covered by the basic package “SOS 144”.

Will the SOS 144 International Rescue Card cover the costs for ground-based rescue?

Yes. Cover does not only apply to air rescue operations, but also to the deployment costs arising from the use of ground-based ambulances.

What is the situation in Switzerland with regard to statutory cover in the event of an accident?

In the event of accidents, the accident insurance under UVG assumes the entire costs if the insured person works more than 8 hours a week. There is a shortfall in cover for persons who are not affiliated with any occupational accident insurance and who have not taken out any supplementary accident insurance. This applies, for example, to housewives, pensioners, children and students. Without additional insurance, 50% of the rescue costs must be borne by you – regardless of whether the rescue operation was carried out with an ambulance or helicopter.

What is the situation in Switzerland with regard to statutory cover for illness?

In the event of illness, the basic health insurance cover under the KVG covers 50% of the costs up to a maximum of CHF 5,000 per year – regardless of the means of rescue. Various supplementary insurance models from health insurance companies can be used to expand cover.

What is the difference between the “SOS 144” and the “SOS 144 Plus” Rescue Card?

With the “SOS 144 Plus” Rescue Card, in addition to unlimited transport to the hospital as well as search and rescue costs up to CHF 30,000 per person, repatriation from abroad is also insured. If you are hospitalised abroad and a return transport (repatriation) to Switzerland is medically necessary, these costs will also be covered by the “SOS 144 Plus” Rescue Card unlimited.

Who is the conclusion of the “SOS Protect Plus” Rescue Card suitable for?

The “SOS Protect Plus” Rescue Card is a comprehensive travel insurance. In addition to unlimited transport to the hospital, including any repatriation and search and rescue costs up to CHF 30,000 per person, the following benefits are insured: SOS protection for travel incidents (according to GCI E784, Art. 4.3) / Cancellation costs (according to GCI E784, Art. 5.3) / Luggage during transport (according to GCI E784, Art. 6.5) / Medical and hospital costs worldwide (according to GCI E784, Art. 7.4). The “SOS Protect Plus” Rescue Card is therefore suitable for all persons who travel abroad on a regular basis.

Legal notice

These questions and answers do not include the full text of any and all cover, conditions and exclusions of the proposed insurance contracts. In each case, the concrete insurance contract and the General Conditions of Insurance (GCI) are decisive.

Insurance conditions

Can cohabiting couples take out family insurance?

Yes. It includes all persons living in the same household as well as their underage children not living in the same household.

Is my child, who still lives with me but studies in Basel during the week insured in my family insurance?

The official residence (tax residency) is decisive for the insurance protection. As long the official residence is still your home, the family insurance provides protection for the child. (In case of doubt, the residence certificate must be submitted if an incident occurs.)

Is there an age limit for the SOS 144 International Rescue Card?

There is no age limit for the policyholder for the two insurance products “SOS 144” and “SOS 144 Plus”. For the SOS Protect Plus insurance, the maximum age as is 80 for “physician and hospital costs worldwide” according to GCI E784, section 7.1. There is, however, no age limit for the remaining benefits of the AAA Protect Plus insurance.

Is there a cover limit or an amount that I, as policyholder myself, have to pay?

The costs for the necessary medical emergency measures by the rescue team as well as for the transfer to the next hospital suitable for the treatment are insured without limit. If an insured person is missing or needs to be rescued, costs up to CHF 30,000 per person will be covered.

Who needs to be contacted in case of an emergency?

For emergency transport in Switzerland, call the emergency number 144. The general emergency number within EU is 112. In the event of an emergency abroad, call the local emergency number for emergency transport and inform the ERV ALARM CENTRE immediately. You can reach the ALARM CENTRE 24 hours a day either by calling +41 848 801 803 or by calling the toll-free number +800 8001 8003. It is available day and night (also on Sundays and public holidays). The ALARM CENTRE advises you on the appropriate procedure and organises the necessary help (e.g. for repatriation).

What needs to be considered with regard to termination of the insurance?

The SOS 144 International Rescue Cards are valid for 365 days from the date of issue and are tacitly renewed for an additional 365 days, unless terminated in writing or e-mail by the insured person at least 90 days prior to expiry. Telephone terminations cannot be accepted.

Legal notice

These questions and answers do not include the full text of any and all cover, conditions and exclusions of the proposed insurance contracts. In each case, the concrete insurance contract and the General Conditions of Insurance (GCI) are decisive.

Online booking

Why do I get an error message when calculating the premium?

Check the selected insured sum and the type of insurance (individual/family). It is possible that the combination you have chosen does not match our offers.

Which means of payment are accepted?

You have the option of paying the insurance premium by PostFinance Card, PostFinance E-Finance, MasterCard or Visa. If you do not have any of the payment methods listed, you can conclude the insurance by phone or e-mail.

Will I receive a confirmation by e-mail after the insurance has been concluded?

Only on request. You have the option of having the policy sent by e-mail. To do this, fill in the input fields below the displayed policy. In any case, print out the policy after you have paid. If the policy does not automatically appear on your screen, send an e-mail to This email address is being protected from spambots. You need JavaScript enabled to view it.. You will receive a confirmation by e-mail or by mail.

Insurance glossary A-Z

The general insurance conditions (GCI) form the basis of the insurance contract and govern the contractual relationship between the insurance company and the policyholder. They contain the insured risks and benefits as well as the rights and obligations of the two contracting parties.

Accident

An accident is the sudden, unintentional, damaging effect of an unusual external factor on the human body that results in impairment of physical, mental or psychological health or death.

Cancellation costs

If the traveller withdraws from the contract, the tour operator loses its claim to the agreed travel price. However, it can demand adequate compensation. The amount of the compensation is determined according to the travel price less the value of the expenses saved by the tour operator as well as what it can acquire by other use of the travel services.

City / Country of residence

The country of residence is the country in which the insured person has their civil law residence or habitual residence or last had it before commencement of the insured stay.

Disturbances of all kinds

Violence against persons or things as part of unlawful assembly, riot or turmoil.

Epidemic

An epidemic is an infectious disease (e.g. influenza) that occurs to an above-average extent locally and for a limited period of time.

Extreme sports

Exercise of exceptional sporting disciplines, with the person being exposed to the highest physical and mental strain (e.g. Ironman Hawaii distance).

Foreign countries

Switzerland does not count as a foreign country nor does the country in which the insured person has permanent residence.

General Conditions of Insurance (GCI)

The General Conditions of Insurance form the basis of the insurance contract and govern the contractual relationship between the insurance company and the policyholder. They contain the insured risks and benefits as well as the rights and obligations of the two contracting parties.

Gross negligence

Someone commits a grossly negligent act if they violate an elementary cautionary duty, whose observance is imposed on every reasonable person in the same situation.

Illness

Illness is any impairment of physical, mental or psychological health that is not the result of an accident and that requires a medical examination or treatment or results in a disability.

Insured persons

Insured persons are the persons named by name in the policy or in the payment slip or the group of persons described in the policy.

Natural disaster

Sudden, unpredictable natural event, which has disaster character. The damage-causing event is triggered by geological or meteorological processes.

Policyholder

The policyholder is the person who has concluded an insurance contract with ERV.

Public transport

Public means of transport are all air, land or water vehicles approved for public passenger transport.  Public transport does not include means of transport that operate in the context of round trips/round-trip flights, as well as rental cars and taxis.

Switzerland

Switzerland includes Switzerland and the Principality of Liechtenstein.

Terrorism

Terrorism is any act of violence or threat of violence to achieve political, religious, ethnic, ideological or similar goals. The act of violence or the threat of violence is likely to spread fear or horror in the population or parts of it or to influence a government or state institutions.

Travel services / Arrangement

Travel services / arrangements include, for example, the booking of a flight, a ship, bus or train journey, a bus transfer or other transport to the place of residence or back, or on-site booking of a hotel room, a holiday apartment, a mobile home, a houseboat or the chartering of a yacht.

Valuable items

Valuable items include jewellery with or from precious metal, furs, watches, binoculars, leather clothing, hardware, mobile phones, photographic, film, video and audio equipment, apparatus of all kinds, including accessories.

Incident report

If you want to file a claim or if you have questions regarding claims handling, contact the ERV Damage Service. The contact details can be found below:

Europäische Reiseversicherung
Zweigniederlassung der Helvetia Schweizerische Versicherungsgesellschaft AG
Schadendienst, Postfach
CH-4002 Basel

Tel.:  +41 58 275 27 27
Fax.: +41 58 275 27 30

E-mail: This email address is being protected from spambots. You need JavaScript enabled to view it.

Contact

Headquarters

SOS 144
Verenastrasse 11
CH-8832 Wollerau

Tel. +41 (0) 31 9 144 144
Fax +41 (0) 43 4 221 177

E-Mail This email address is being protected from spambots. You need JavaScript enabled to view it.

Mailing address

SOS 144
P.O. Box
CH-8058 Zürich Flughafen

Important note

Please note: We do not sell insurance on our premises in Wollerau. You can conveniently conclude our travel insurance online or contact us by phone at +41 (0) 31 9 144 144 or by e-mail. In case of an insured event, please click here.