{
  "id": "reg-vvg",
  "type": "regulation",
  "languages": {
    "en": {
      "id": "reg-vvg",
      "lang": "en",
      "type": "regulation",
      "title": "Swiss Insurance Contract Act (ICA/VVG)",
      "shortDefinition": "The Swiss Insurance Contract Act (ICA/VVG) governs the private-law relationship between insurer and policyholder – from disclosure duties and premiums to payment of benefits in the event of a loss.",
      "synonyms": [
        "Federal Act on Insurance Contracts",
        "VVG"
      ],
      "linesOfBusiness": [
        "All lines"
      ],
      "jurisdictions": [
        "CH"
      ],
      "tags": [
        "Contract Law",
        "Switzerland"
      ],
      "relations": {
        "relatedTerms": [
          "reg-finma-vag",
          "term-sum-insured",
          "reg-versvg-oesterreich"
        ],
        "partOf": [],
        "appliesTo": [
          "cov-property-all-risks",
          "cov-do"
        ],
        "regulatedBy": [],
        "relevantFor": [],
        "insurableVia": [],
        "mitigatedBy": [],
        "comprises": [],
        "alternativeTo": [],
        "complementedBy": []
      },
      "attribute": null,
      "profile": null,
      "coverageProfile": null,
      "clause": null,
      "legalBasis": [
        "CH: Federal Act on Insurance Contracts (ICA, SR 221.229.1)"
      ],
      "standards": [],
      "reviewStatus": "expert-reviewed",
      "reviewedBy": "Guido Hesse, Hesse Group Holding AG",
      "lastReviewed": "2026-09-04",
      "version": "0.1.0",
      "updated": "2026-08-31",
      "generated": {
        "by": "process:reconstructed",
        "at": "2026-08-31T00:00:00.000Z"
      },
      "verified": [
        {
          "by": "human:ghesse",
          "at": "2026-09-04T00:00:00.000Z",
          "method": null
        }
      ],
      "staleAfter": null,
      "url": "https://hgh.ch/lexikon/en/knowledge/regulation/swiss-insurance-contract-act/",
      "alternateUrl": "https://hgh.ch/lexikon/de/wissen/regulierung/vvg/",
      "body": "## Subject matter\n\nThe ICA regulates, among other things, the pre-contractual duty of disclosure and the consequences of its breach, the insurer's information duties, premium payment and default consequences, increase of risk, loss mitigation duties, and the maturity and limitation of claims.\n\n## 2022 revision\n\nKey changes: an ordinary termination right after three years also for the policyholder, a 14-day right of withdrawal, an extended limitation period from two to five years, a direct claim of the injured party in liability insurance, and electronic communication options.\n\n## Non-mandatory law for large risks\n\nFor professional policyholders the ICA allows extended freedom of contract; many protective provisions can be waived. Industrial wordings therefore regularly deviate from the statute – the policy wording is decisive."
    },
    "de": {
      "id": "reg-vvg",
      "lang": "de",
      "type": "regulation",
      "title": "VVG (Versicherungsvertragsgesetz)",
      "shortDefinition": "Das schweizerische Versicherungsvertragsgesetz (VVG) regelt das privatrechtliche Verhältnis zwischen Versicherer und Versicherungsnehmer – von der Anzeigepflicht über Prämien bis zur Leistung im Schadenfall.",
      "synonyms": [
        "Bundesgesetz über den Versicherungsvertrag"
      ],
      "linesOfBusiness": [
        "Alle Sparten"
      ],
      "jurisdictions": [
        "CH"
      ],
      "tags": [
        "Vertragsrecht",
        "Schweiz"
      ],
      "relations": {
        "relatedTerms": [
          "reg-finma-vag",
          "term-sum-insured",
          "reg-versvg-oesterreich"
        ],
        "partOf": [],
        "appliesTo": [
          "cov-property-all-risks",
          "cov-do"
        ],
        "regulatedBy": [],
        "relevantFor": [],
        "insurableVia": [],
        "mitigatedBy": [],
        "comprises": [],
        "alternativeTo": [],
        "complementedBy": []
      },
      "attribute": null,
      "profile": null,
      "coverageProfile": null,
      "clause": null,
      "legalBasis": [
        "CH: Bundesgesetz über den Versicherungsvertrag (VVG, SR 221.229.1)"
      ],
      "standards": [],
      "reviewStatus": "expert-reviewed",
      "reviewedBy": "Guido Hesse, Hesse Group Holding AG",
      "lastReviewed": "2026-09-04",
      "version": "0.1.0",
      "updated": "2026-08-31",
      "generated": {
        "by": "process:reconstructed",
        "at": "2026-08-31T00:00:00.000Z"
      },
      "verified": [
        {
          "by": "human:ghesse",
          "at": "2026-09-04T00:00:00.000Z",
          "method": null
        }
      ],
      "staleAfter": null,
      "url": "https://hgh.ch/lexikon/de/wissen/regulierung/vvg/",
      "alternateUrl": "https://hgh.ch/lexikon/en/knowledge/regulation/swiss-insurance-contract-act/",
      "body": "## Regelungsgegenstände\n\nDas VVG normiert unter anderem die vorvertragliche Anzeigepflicht und die Folgen ihrer Verletzung, Informationspflichten des Versicherers, Prämienzahlung und Verzugsfolgen, Gefahrserhöhung, Schadenminderungsobliegenheiten sowie Fälligkeit und Verjährung der Leistungsansprüche.\n\n## Revision per 2022\n\nWesentliche Neuerungen: ordentliches Kündigungsrecht nach drei Jahren auch für den Versicherungsnehmer, 14-tägiges Widerrufsrecht, verlängerte Verjährung von zwei auf fünf Jahre, direktes Forderungsrecht des Geschädigten in der Haftpflichtversicherung und elektronische Kommunikationsmöglichkeiten.\n\n## Dispositives Recht für Grossrisiken\n\nFür professionelle Versicherungsnehmer erlaubt das VVG weitergehende Vertragsfreiheit; viele Schutzbestimmungen sind abdingbar. Industrieverträge weichen deshalb regelmässig vom Gesetzestext ab – die Police ist massgeblich."
    }
  }
}