Bank cards have far too little coverage.
For example, in the case of cancellation, your bank card only covers you if you have paid for the trip with that same card.
The included cancellation guarantees are very limited compared to the cancellation insurance coverage in «All Justified Causes» of our annual contract.
The cancellation fee refund limit accepted by bank cards is only €5,000 per year per cardholder.
With the bank card, your luggage is never covered during the trip (only when checked in on the plane). With Chapka insurance, luggage is covered for the whole stay in case of theft with assault or burglary and an upper limit of €3,000 per person.
This answer only relates to: Cap Annual Assistance.