The General Conditions of Insurance (GCI) contain the provisions applicable to all contractual parties. They are an integral part of the insurance contract. Insurance providers must adhere to the Federal Act on Insurance Policies (VVG; not available in English) when defining the GCI, which must then be approved by the competent supervisory authority, the Federal Office of Private Insurance (FOPI). This rigorous control guarantees that the policyholder's interests are respected in any event. Since the GCI constitute an integral part of the insurance policy, the insurance companies must make them available to prospective policyholders for their application.
The GCI of many insurers are also available on the Internet, i.e. you can download and read them any time.
Ask your insurance provider to explain any phrases that you may find unclear or incomprehensible in order to avoid nasty surprises in the event of a claim.