Legal Information and Terms of Use

General Information

AIG Europe S.A., Luxembourg
Opfikon Branch
Sägereistrasse 29
CH-8152 Glattbrugg

T +41 43 33337-00
F +41 43 33337-99

AIG Europe S.A., Luxembourg, Opfikon Branch is authorized by the Swiss Financial Markets Authority FINMA and registered in the Swiss Commercial Register under the number CHE-107.381.353. Contact details FINMA: Swiss Financial Market Supervisory Authority FINMA, Laupenstrasse 27, 3003 Bern, T +41 31 32791-00, F +41 31 32791-01,,

AIG Europe S.A. is an insurance undertaking with R.C.S. Luxembourg number B 218806.

AIG Europe S.A. has its head office at 35D, Avenue John F. Kennedy, L-1855 Luxembourg,

AIG Europe S.A. is authorized by the Luxembourg Ministère des Finances and supervised by the Commissariat aux Assurances (CAA), 11, rue Robert Stumper, L-2557 Luxembourg, GD de Luxembourg,

Out-of-court-complaints an appeal procedure

AIG Complaints Management

If you are not satisfied with your insurance contract, insurance cover or other services provided by us, please do not hesitate to share your concerns with us in writing or verbally.

AIG Europe S.A., Luxembourg, Opfikon Branch
Sägereistrasse 29
CH-8152 Glattbrugg

T +41 43 33337-00
F +41 43 33337-99

Assistance from the ombudsman for private insurance

The foundation “Ombudsman für Privatversicherungen und der Suva” (Ombudsman for Private Insurance and Suva) provides professional advice to all privately insured individuals. Problems or differences of opinion with health insurance funds are not included under the ombudsman office's responsibilities. A separate ombudsman office was established for that purpose. The foundation for private insurance primarily advises policyholders with regard to differences of opinion about the contents of insurance policies, covers or amount of damages. The ombudsman office mediates by acting as a neutral body, obtains external opinions where required, answers questions related to insurance law and solves conflicts between insured parties and insurance companies using a problem-oriented approach. In this context, it cannot become a representative of a party or demand payments from a party.

Stiftung Ombudsman
der Privatversicherung und der Suva
Postfach 1063
CH-8024 Zurich

T +41 44 211 3090

FINMA – Swiss Financial Markets Authority

AIG Europe S.A., Luxembourg, Opfikon Branch is subject to the prudential supervision of the Swiss Financial Market Supervisory Authority FINMA. Therefore complaints may also be directed to this supervisory authority. The FINMA may be reached as follows:

Eidgenössische Finanzmarktaufsicht FINMA
Laupenstrasse 27
CH-3003 Bern

T +41 31 327 91 00
F +41 31 327 91 01

You are expressly advised that the option to take legal action is not affected by the complaints procedures noted above.

Terms of Use

By using this website, you acknowledge your assent to the following conditions of use without limitation or qualification. Please read these conditions carefully before using this website. These terms and conditions may be revised at any time by updating this posting. When you visit this site again the conditions of use may have changed and you will be bound by the revised conditions of use.


To the fullest extent permissible under applicable law, the materials on this website are provided "as is" and without warranties of any kind either expressed or implied. To the fullest extent permissible pursuant to applicable law, American International Group, Inc. and its subsidiaries and affiliates (collectively, “AIG”) disclaim all warranties, expressed or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose. AIG does not warrant that the functions contained in the materials will be uninterrupted or error-free, that defects will be corrected, or that this website or the server that makes it available are free of viruses or other harmful components. AIG does not warrant or make any representations regarding the use or the results of the use of the materials on this website in terms of their correctness, accuracy, reliability, or otherwise. You (and not AIG) assume the entire cost of all necessary servicing, repair, or correction. The information and descriptions contained herein are not intended to be complete descriptions of all terms, exclusions and conditions applicable to the products and services and are provided solely for general informational purposes. This website may be linked to other websites which are not maintained by AIG. AIG is not responsible for the content of those websites. The inclusion of any link to such websites does not imply approval of or endorsement by AIG of the websites or the content thereof.


While AIG uses reasonable efforts to include accurate and up-to-date information on this website, errors or omissions sometimes occur. AIG makes no warranties or representations as to the accuracy of the content of this website. To the fullest extent permissible under applicable law, neither AIG nor any party involved in creating, producing, or delivering the website shall be liable to you in negligence or contract for any direct, incidental, consequential, indirect, or punitive damages that result from the use of, or the inability to use, the materials on this website, even if AIG or an AIG authorized representative has been advised of the possibility of such damages. To the fullest extent permissible under applicable law, AIG's total liability to you for all damages, losses, and causes of action shall not exceed the amount paid by you, if any, for accessing this website.

To the fullest extent permissible under applicable law, AIG also assumes no responsibility, and shall not be liable for, any damages to, or viruses that may infect your computer equipment or other property as a result of your access to, use of, or browsing in the website or your downloading of any materials, data, text, images, video or audio from this website.


Insurance coverages are offered by member companies of AIG. Insurance coverages are subject to underwriting, and may not be available in all countries and jurisdictions. Please refer to the actual policy for scope and limitations of coverage.


This website is owned and operated by AIG. Except as otherwise expressly permitted by AIG, no materials from this website or any website owned, operated, licensed or controlled by AIG may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way. You may download material displayed on this website for your use only, provided that you also retain all copyright and other proprietary notices contained on the materials. You may not distribute, modify, transmit, reuse, re-post, or use the content of this website for public or commercial purposes, including the text, images, audio, and video without AIG' written permission.

AIG neither warrants nor represents that your use of materials displayed on this website will not infringe rights of third parties not owned by or affiliated with AIG.


Unless otherwise expressly set forth herein, AIG makes no representation that materials on this website are appropriate or available for use in any location. Those who choose to access this website do so on their own initiative and are responsible for compliance with local laws.

Except as specifically set forth on this website, the information contained on this website is not an offer to sell or a solicitation to buy any security, insurance product or other product or service. No security, insurance product or other product or service is offered or will be sold in any jurisdiction in which such offer or solicitation, purchase or sale would be unlawful under the securities, insurance or other laws of such jurisdiction. Some products and services may not be available in all jurisdictions.


Certain names, words, titles, phrases, logos, icons, graphics or designs in the pages of this Website may constitute trade names, registered or unregistered trade-marks or service marks ("Trade-marks") of AIG or of third parties and used under license by AIG. The display of Trade-marks on pages at this Website does not imply that any license has been granted to any third party.

All information in this Website is protected under copyright legislation. Users of this Website shall be entitled to copy any information for their own personal use but may not republish or reproduce any such information in any manner, including electronic reproduction by "uploading" or "downloading", without the prior written consent of AIG. Otherwise, no one has permission to copy, redistribute, reproduce or republish, in any form, any information found in the pages of this Website.

Any unauthorized downloading, re-transmission, or other copying or modification of Trade-marks or other contents of this Website may be a violation of statutory or common law rights which could subject the violator to legal action.

Images displayed on this website are either the property of, or used with permission by, AIG. The use of these images by you, or anyone else authorized by you, is prohibited unless specifically permitted herein. Any unauthorized use of the images may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes.


Any unprotected E-mail communication over the Internet is subject to possible interception or loss, and is also subject to possible alteration. AIG is not responsible for and will not be liable to you or anyone else for any damages resulting from interception, loss or alteration in connection with an E-mail sent by you to AIG or an E-mail sent by AIG to you.


This notice will be updated and modified from time to time without any notice. Accordingly, whenever you access the Website, ensure that you check this notice.