Helsana legal protection insurance
Products from Helsana
Personal legal protection
Insured persons
Individual: Policyholder
Family: All persons listed in the policy (children under the age of 18 free of charge, between 18 and 25 at a reduced premium; several adults in the same household from 26 years of age: reduced premium per person)
Other insured legal areas
Landlord and Tenant laws (for tenants)
Neighbours' rights
Property laws
Legal advice (one session per case, for matters pertaining to concubinage, inheritance and family laws)
Benefits for victims of violent crime
Benefits
Up to CHF 300,000 per case (within Europe) and CHF 30,000 (outside of Europe)
Fines and bail money (advance): within the extent of provided protection
Neighbours' rights up to CHF 3,000
Ownership laws up to CHF 3,000
Legal advice up to CHF 300
Legal matters concerning rights to indemnity, insurance, rent, contracts other than those for legal protection: Amount in dispute must be at least CHF 300
Other uncovered costs
Fees
Translation costs
Geographical limitations
Benefits for victims of violent crime and non-contractual compensation for damages are insured worldwide. Criminal legal protection and insurance conflicts are covered in Europe and riparian Mediterranean countries. For all other legal areas, legal protection is valid if the place of jurisdiction is Switzerland or the Principality of Liechtenstein and the laws of these countries can be applied.
Waiting period
Insurance protection is initiated only after a three-month qualifying period is up, except for legal issues concerning compensation for damages and criminal proceedings.
This qualifying period applies to matters involving conflicts with (health) insurance providers or pension funds. Exempt from this rule are cases with orgins connected to accidents (right to indemnity).
Exclusions
Legal cases pertaining to...
All legal protection cases that are not explicitly listed in the basic areas of legal protection, especially:
Criminal defence for deliberately induced cases of legal protection and in case of wilfully committing a criminal offence.
Debt collection and bankruptcy laws
Cases pertaining solely to encashment of payment demands and cases concerning ceded demands
Cases in the capacity of agent, legal proxy or partner of legal persons or partnerships
Cases concerning aircraft, provided an official aptitude test is required.
Cases pertaining to self inhabited property containing more than three apartments, property which is not self-inhabited and rented holiday apartments.
Choice of legal representative
If it is necessary to consult a lawyer, the insurance holder may choose a legal representative freely. HERAG legal insurance will hire a lawyer in their name.
Procedures in case of futility or differences in opinion
Arbitration proceedings may be initiated. Decisions made by the concordate for arbitral jurisdiction apply.
Notice of cancellation
Notice of termination must be handed in at least 3 months before contract is due to expire.
Contract term
Minimum contract duration is 1 year, in combination with supplementary health insurance. If the latter is cancelled, legal protection insurance also becomes invalid.
Action in case of a claim
The insurer must be notified immediately, in writing if requested.
Motor legal protection
Insured persons
Individual: Policyholder in the capacity of owner, driver or holder of a vehicle, as a pedestrian, cyclist, moped rider and as a passenger of a vehicle or public transportation (any means of transport).
Family: All persons listed in the policy (children under 18 free of charge, between 18 and 25 at a reduced premium; several adults in the same household from 26 years of age: reduced premium), as owner, driver or holder of a vehicle, as a pedestrian, cyclist, moped rider and as passengers of a vehicle or public transportation (all means of transport).
Insured vehicles:
Motor vehicles matriculated in the name of an insured individual (incl. replacement vehicles, if applicable)
Water craft matriculated in the name of an insured individual in Switzerland and stationed within the country
Motor vehicles rented by an insured individual
Benefits
Up to CHF 300,000 (Europe) per case; CHF 30,000 outside of Europe
Bail money (advance): within this sum
Contract laws: up to CHF 3,000
For matters concerning the right to indemnity, contract or insurance matters, the amount in dispute must be at least CHF 300.
Other uncovered costs
Fees
Translation costs
Blood alcohol and drug tests
Geographical limitations
Non-contractual claims for compensation of damage are insured worldwide; all other legal areas are covered in Europe and riparian Mediterranean countries.
Waiting period
Insurance protection commences after a 3 month qualifying period for contractual conflicts under the Swiss law of obligations, vehicle taxation procedures and legal conflicts with insurance companies, health insurers or pension funds. No qualifying period for other areas of legal protection covered.
Exclusions
Legal cases pertaining to...
All legal protection cases that are not explicitly listed in basic areas of legal protection, especially:
Criminal defence for deliberately induced cases of legal protection and in case of wilfully committing a criminal offence.
Active participation in competitions or races incl. training.
Cases concerning insured vehicles which are used for commercial passenger transport or driving schools.
Choice of legal representative
If it is necessary to consult a lawyer, the insurance holder may choose a legal representative freely. HERAG legal insurance will hire a lawyer in their name.
Procedures in case of futility or differences in opinion
Arbitration proceedings may be initiated. Decisions made by the concordat for arbitral jurisdiction apply.
Notice of cancellation
Notice of termination must be handed in at least 3 months before contract is due to expire.
Contract term
Minimum contract duration is 1 year, in combination with supplementary health insurance. If the latter is cancelled, the legal protection insurance also becomes invalid.
Action in case of a claim
The insurer must be notified immediately, in writing if desired.
Information about Helsana insurance company
| Insurance carrier | Helsana Rechtsschutz AG |
| Head office | Zurich |