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Abusi con la carta di credito, virus nel computer, diffusione di immagini, mobbing online, furto di dati bancari: contro questi e tanti rischi cibernetici ora in Svizzera ci si può assicurare tramite apposite polizze.
A rompere il ghiaccio è stata la Basilese che, alcuni giorni fa, ha presentato quella che considera la prima cyber-assicurazione a 360 gradi. Per 90 franchi annui una famiglia può coprirsi contro tutte le sorprese legate alle moderne tecnologie. Sulla stessa via si stanno muovendo anche Axa e la Mobiliare, che presenterà un'offerta analoga in aprile.
I nuovi contratti permetteranno ai privati di tutelarsi alla pari di quanto già fanno le aziende. Gli esperti in materia interpellati dall’ATS non sono però del tutto convinti dell'utilità di farlo. In primo luogo perché un consumatore medio di solito non ha necessità di una protezione totale.
Inoltre il costo è ritenuto elevato. La situazione dovrebbe però equilibrarsi in futuro, con la diffusione di questi tipi di polizze. "Nel 2025 l'assicurazione cibernetica sarà standard”, ritiene Martin Eling, professore a San Gallo.
Diem/ATS
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