Personal legal protection

• Civil damages law

• Criminal defence in case of negligent violation of statutory provisions

• Insurance law (includes disputes with private insurance companies and social insurance companies, pension funds and health insurers)

• Labour law – as an employee (note the exclusions)

• Patient law in Switzerland

• Other contract law

• Legal advice insurance for certain legal areas

Coverage for matters under tenancy law, neighbour law and legal protection for owners varies. These aspects are therefore listed according to provider.

All insurance for legal protection is valid for legal prodcedures with place of jurisdiction at a minimum within Switzerland and Liechtenstein.

• Lawyers' fees

• Expert opinions

• Court costs

• Compensation to opposed party

• Bail money (loan)

• Fines

• Indemnity

• Costs at the expense of third persons or liability insurers

Extent of legal advice provided by the insurer. This varies depending on the provider.

The following exclusions apply to all legal protection insurance plans:

Litigation...

• to defend against claims from damages

• in connection with self-employment

• in connection with the purchase and sale of securities

• in connection with the purchase, sale or pledging of real estate and also construction, renovation or demolition (if this is subject to official authorization)

• regarding the law on foreign nationals

• regarding canon law

• regarding company, associations and foundations law

• arising from gambling or betting

• as party involved in brawls and fights

• in connection with war, unrest or strike

• against the provider of legal protection insurance

• in connection with nuclear fission or fusion, or non-ionizing radiation

Other exclusions depending on provider. The details are therefore listed according to provider.

Contract duration is as stated in the insurance policy. In most cases, the shortest possible duration is one year.

Some areas are liable to a qualifying period. This may vary depending on the provider.

Insurance for legal protection will usually not grant policyholders a free choice of legal representation. If it is necessary to consult a lawyer other than their own in case of pending hearings, the insurance provider will determine a representative as he sees fit.

Notice of termination depends on each provider.

No provider would give up his right to termination after legal proceedings.