Open your free account now and earn CHF 50 with the code “winwin”1
Enjoy free travel insurance and 0% fees on card payments in
foreign currencies.
From trip cancellations to luggage damage and international health insurance—we’ve got your back. With comprehensive services and high coverage amounts, you are on the safe side. And that is not all! With us, you benefit from 0% fees for card payments in foreign currencies. That way, you can focus on what really matters: your well-deserved vacation!
The best travel insurance is the kind you don’t have to worry about. That’s why, as a radicant client, it’s automatically included—no extra costs, no paperwork. Just pay with your radicant debit card, and your full protection is activated. It’s that simple!
1.
To qualify for insurance coverage of cancellations, trip interruptions, luggage or rental car excess, radicant clients must ensure that at least 50% of the cost for all purchased or booked travel components (e.g. including flights, train tickets, accommodations, rental cars, event tickets) is via the radicant debit card. If a min. of 50% of the respective cost for individual items is paid with radicant debit card, those items are covered by our travel insurance. Coverage for health-related issues is provided without this requirement.
2.
Travel insurance is automatically active as soon as you pay at least 50% of your travel costs via your radicant debit card. A separate activation is not necessary.
3.
The travel insurance covers all types of trips (holiday, city trips, etc.). It applies to private trips lasting up to 90 days, starting when the insured person leaves home and ending upon return. The trip must include an overnight stay or be more than 30 km from the residence. Business and medical trips are excluded.
4.
The insurance coverage limits for each insurance product are outlined in the Insurance Conditions.
5.
We provide you with the complete insurance conditions for download on our legal page.
For further details and direct contact with our insurance partner (Europ Assistance) feel free to visit their website.
6.
The following products are included in the travel insurance.
Trip cancellation
Reimbursement of costs for cancellation of a trip due to an insured event
Sum insured = CHF 20,000
Trip interruption
Reimbursement of costs for additional travel expenses and/or unused portion in the event of interruption or extension of a trip
Sum insured = CHF 20,000
Assistance (repatriation)
Organisation and reimbursement of costs for transport and/or repatriation due to a medical emergency
Sum insured = CHF 250,000
Medical expenses abroad
Reimbursement of medical expenses abroad that exceed the benefits provided by the health insurance company
Sum insured = CHF 250,000
Search & rescue costs
Reimbursement of costs for search and rescue while travelling
Sum insured = CHF 100,000
Luggage
Protection of luggage against theft, loss and damage
Sum insured = CHF 2,000
Car hire excess (CDW)
Assumption of the excess on hired vehicles
Sum insured = CHF 10,000
7.
Generally, radicant clients have up to 5 years to file a claim for insurance reimbursments. However, it is always adviseable - and for certain specific events it is even a precondition - to get in contact with the insurance partner as quickly as possible if any issues arise that could potentially result in an insurance claim.
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Insured events, definitions relevant to insurance claims, and specific insurance conditions are outlined in the Terms and Conditions. These Terms and Conditions, and the definitions within are the sole binding conditions for exercising an insurance claim. It is the responsibility of the client to familiarise themselves with the Terms and Conditions before making the claim.
1 Only for new clients when opening their first account. The code must be entered no later than 7 days after the first deposit and account activation. The reward will only be paid if at least three card transactions have been made using the radicant virtual debit card within 30 days of account activation. Code cannot be cumulated with other referral codes. radicant reserves the right to amend, extend, shorten, or cancel the referral program and the awareness campaign at its sole discretion at any time without notice and without liabilities being incurred. For information about other referral programmes, please refer to Banking and Investment Referral Programme Terms and Conditions.
2 0.75% under CHF 100’000. 1% from CHF 100'000 up to 250’000. 0.75% over CHF 250’000. Interest rates may change at any time due to market conditions. Interest rate adjustments take effect at the time of an interest rate change. The applicable interest rates are published on the radicant website. The interest rate is calculated on a daily basis, using the end of the day balance. The total of the interest accumulated over the year will be paid at year-end.
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