Provider overview

Helsana legal protection insurance

Here you can find information on Helsana legal protection insurance. The information is divided into products, company details and miscellaneous.
The general information on private and motor legal protection applies to all insurance companies.

Helsana products

  • Helsana (Personal and motor legal protection)


    Requirements to take out these insurance products:
    Nursing care supplementary TOP or COMPLETA with Helsana

    Personal legal protection


    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)


    • 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

    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


    • Fees
    • Translation costs

    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.

    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).

    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.

    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.

    Arbitration proceedings may be initiated. Decisions made by the concordate for arbitral jurisdiction apply.

    Notice of termination must be handed in at least 3 months before contract is due to expire.

    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


    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

    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.


    • Fees
    • Translation costs
    • Blood alcohol and drug tests

    Non-contractual claims for compensation of damage are insured worldwide; all other legal areas are covered in Europe and riparian Mediterranean countries.

    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.

    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.

    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.

    Arbitration proceedings may be initiated. Decisions made by the concordat for arbitral jurisdiction apply.

    Notice of termination must be handed in at least 3 months before contract is due to expire.

    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.


Company data of Helsana

Headquarters: Zurich
Premium volume 2010 in millions: 12.7
Insurance company: Helsana Rechtsschutz AG

All information subject to change. © by comparis.ch AG

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