Family

Legal protection

«My son has been accused of damaging our neighbour's car. My friend's daughter is being bullied on the Internet. Friends of ours discovered hidden defects after purchasing their new house. How can I protect myself against injustices, attacks and negligence?»

Familienrechtsschutz

Whether you're involved in a conflict with a neighbour or supplier, or a dispute on the road, at school or in another public arena, it's worth trying to resolve the matter verbally. If you're able to come to an agreement, you can save yourself a great deal of time, money and hassle. However, differences can't always be settled peacefully. Often, the situation escalates and a legal dispute ensues. If you are exposed to a criminal attack, you have to be in a position to defend yourself.

Cost security in legal cases

The problem with legal proceedings is that it's almost always impossible to predict how the matter will turn out. Very high costs may arise, and it's rarely clear who will ultimately have to bear these costs. It's especially trying if you're embroiled in a legal case abroad. It therefore makes good common sense to protect yourself with suitable legal expenses insurance. This can also prove helpful if you file a legal claim for self-inflicted damage.

What can Helsana do for you?

Helsana's legal protection offering covers the needs of families, couples and singles in full. TOP, COMPLETA and OMNIA supplementary insurances already contain legal expenses benefits. This can be supplemented by Helsana Advocare PLUS, the cost-effective legal expenses insurance for civil and motoring law. Global legal expenses insurance involving civil, motoring and Internet law is provided by Helsana Advocare EXTRA (available from 1.1.2016).

In which situations will you be thankful you've taken out legal expenses insurance? Here are just a few examples of many:

Legal expenses cover in health matters

Your daughter had to undergo an operation on her appendix. There were complications resulting in injuries. The attending physician is denying malpractice. Your daughter wishes to take action and pursue a claim for damages. The legal expenses insurance included in TOP, COMPLETA and OMNIA supplementary insurance offers legal support and covers the costs of any ensuing legal dispute.

Civil legal expenses cover

You notice mildew on the walls of the apartment you are renting. The landlord says you just need to air the rooms properly. He makes no effort to rectify the situation. You require legal support from specialists and turn to your Helsana Advocare PLUS or Helsana Advocare EXTRA legal expenses insurance. This provides you with assistance and covers the costs of any ensuing legal dispute.

Motorists' legal expenses cover

You were speeding. A radar catches you and the police forward your case to the prosecution authorities. You require legal support from specialists and turn to your Helsana Advocare PLUS or Helsana Advocare EXTRA legal expenses insurance. This provides you with assistance and covers the costs of any ensuing legal dispute.

Legal expenses cover abroad

Your son was the victim of an assault while travelling abroad and sustained some injuries. His attacker was caught. Your son wishes to take action and pursue a claim for damages. The legal expenses insurance included in TOP, COMPLETA and OMNIA supplementary insurance offers legal support and covers the costs of any ensuing legal dispute.

Internet legal expenses insurance

Your 13-year-old daughter no longer wants to go to school. She seems to be getting more and more insecure and anxious. You investigate the matter and find out that insulting and malicious rumours are being spread about your daughter on the Internet. Pictures and videos have also been published. You wish to take action. Helsana Advocare EXTRA legal expenses insurance can help you file a police report and request that the data is deleted. It also covers the costs of any ensuing legal dispute.

What to do if you need legal protection

Contact us by calling the emergency number on the back of your insurance card. Or report your case using the "Notification of legal protection claim (PDF, 57KB) " form. Please complete the form in full, sign it, and return it to us by mail to the following address:

Helsana Rechtsschutz AG
Entfelderstrasse 2
5001 Aarau

We will contact you no later than two working days after receiving your notification.

Do you have any questions about insurance and benefits?

Do you have any questions about legal protection and which costs will be assumed by the individual legal protection insurances? Contact our specialists on +41 43 340 16 11.

Legal protection in health matters

TOP
Up to CHF 250,000 per case
  • Legal advice and representation for legal disputes.
  • You can claim up to CHF 250,000 per dispute (or CHF 50,000 in cases outside Europe) to cover lawyers' fees, court and procedural expenses, expert witnesses, court fees and compensation for the other party.
  • This policy covers disputes with doctors, hospitals and providers of social insurance and private liability insurance.

Product information:
TOP
COMPLETA
Up to CHF 250,000 per case
  • Legal advice and representation for legal disputes.
  • You can claim up to CHF 250,000 per dispute (or CHF 50,000 in cases outside Europe) to cover lawyers' fees, court and procedural expenses, expert witnesses, court fees and compensation for the other party.
  • This policy covers disputes with doctors, hospitals and providers of social insurance and private liability insurance.

Product information:
COMPLETA
OMNIA
Up to CHF 250,000 per case
  • Legal advice and representation for legal disputes.
  • You can claim up to CHF 250,000 per dispute (or CHF 50,000 in cases outside Europe) to cover lawyers' fees, court and procedural expenses, expert witnesses, court fees and compensation for the other party.
  • The policy covers disputes in your capacity as the driver, hirer or user of transportation or as a pedestrian during holidays and while attending foreign schools (including transport to and from the school).

Product information:
OMNIA

Legal Protection Abroad

TOP
Up to CHF 250,000 per case
  • Legal advice and representation for legal disputes.
  • You can claim up to CHF 250,000 per dispute (or CHF 50,000 in cases outside Europe) to cover lawyers' fees, court and procedural expenses, expert witnesses, court fees and compensation for the other party.
  • The policy covers disputes in your capacity as the driver, hirer or user of transportation or as a pedestrian during holidays and while attending foreign schools (including transport to and from the school).

Product information:
TOP
COMPLETA
Up to CHF 250,000 per case
  • Legal advice and representation for legal disputes.
  • You can claim up to CHF 250,000 per dispute (or CHF 50,000 in cases outside Europe) to cover lawyers' fees, court and procedural expenses, expert witnesses, court fees and compensation for the other party.
  • The policy covers disputes in your capacity as the driver, hirer or user of transportation or as a pedestrian during holidays and while attending foreign schools (including transport to and from the school).

Product information:
COMPLETA
OMNIA
Up to CHF 250,000 per case
  • Legal advice and representation for legal disputes.
  • You can claim up to CHF 250,000 per dispute (or CHF 50,000 in cases outside Europe) to cover lawyers' fees, court and procedural expenses, expert witnesses, court fees and compensation for the other party.
  • The policy covers disputes in your capacity as the driver, hirer or user of transportation or as a pedestrian during holidays and while attending foreign schools (including transport to and from the school).

Product information:
OMNIA

Civil legal expenses insurance

Helsana Advocare PLUS
Up to CHF 300,000 per case

Legal advice and representation in the case of private legal disputes.

You receive up to CHF 300,000 per case for lawyers' fees (free choice of lawyer upon agreement), court and trial fees, expert opinions and mediator, court-awarded costs and compensation, advances of bail. The insurance covers are disputes with insurers (e.g. liability insurers), disputes with landlords (e.g. due to rental increases), disputes with the employer (e.g. due to termination of the employment contract), contractual disputes (e.g. in the case of purchase contracts, travel contracts, orders), disputes with neighbours, buildings that require authorisation, legal advice in cases relating to the purchase, sale, pledgeing and letting of property, advice in matters relating to family or inheritance law or the law of persons).

You also receive legal support and the following financial benefits for victims of violent crime in the case of death and disability, as well as for treatment costs and property loss and damage:

  • lump-sum benefit of CHF 150,000 in the event of death and of CHF 300,000 in the event of full disability (without progression). Persons over the age of 65 receive a lifelong annuity instead of a lump-sum payment.
  • Unlimited treatment costs for a period of five years supplementary to compulsory healthcare insurance, military insurance, Federal Disability Insurance or compulsory accident insurance.
  • Up to CHF 5,000 for damage to property that the insured was wearing or carrying.

Overview and comparison of benefits

Explanatory video for civil legal expenses insurance


Product information:
Helsana Advocare PLUS
Helsana Advocare EXTRA
Up to CHF 1m per case

Legal advice and representation for private legal disputes.

You receive up to CHF 1m per legal case for lawyers' fees (free choice of lawyer), court and trial fees, expert opinions, court-awarded costs and compensation, advances of bail. The insurance covers disputes with insurers (e.g. liability insurers), disputes with landlords or tenants (e.g. due to rental increases), disputes with the employer (e.g. due to termination of the employment contract), contractual disputes (e.g. in the case of purchase contracts, travel contracts, orders), disputes with neighbours, building and planning law, advice on the purchase, sale, pledging and letting of property, advice in matters relating to family or inheritance law or the law of persons.

You also receive up to CHF 10,000 of the costs for the required appearance in a foreign court and translation costs.

Victims of violent crime also receive legal support and the following financial benefits in the case of death or disability as well as for treatment costs and property loss and damage:

  • lump-sum benefit of CHF 150,000 in the event of death or CHF 300,000 in the event of full disability (without progression). If you're over the age of 65, you receive a lifelong pension instead of a lump-sum benefit.
  • Unlimited treatment costs for a period of five years supplementary to compulsory healthcare insurance, military insurance, Federal Disability Insurance or compulsory accident insurance.
  • Up to CHF 5,000 for damage to property that the insured was wearing or carrying.

Overview and comparison of benefits

Explanatory video on personal legal protection


Product information:
Helsana Advocare EXTRA

Transportation legal expenses insurance

Helsana Advocare PLUS
Up to CHF 300,000 per case

Legal advice and representation for legal disputes involving motoring issues (throughout Europe).

You receive up to CHF 300,000 per legal case for lawyers' fees (free choice of lawyer upon agreement), court and trial fees, expert opinions, court-awarded costs and compensation, advances of bail. The insurance covers the enforcement of claims for damages worldwide (property damage, e.g. to your car), contractual disputes in Europe and the Mediterranean countries (e.g. in connection with the purchase, lease, rent or repair of a vehicle), the provision of a defence in the event of criminal proceedings in Europe and the Mediterranean countries (e.g. unjustified fines), and representation in administrative proceedings in Europe and the Mediterranean countries (e.g. withdrawal or confiscation of an ID or a permit).

You also receive legal support and the following financial benefits for victims of violent crime in the case of death or disability as well as for treatment costs and property loss and damage:

  • lump-sum benefit of CHF 150,000 in the event of death or CHF 300,000 in the event of full disability (without progression). If you are over the age of 65, you receive a lifelong pension instead of a lump-sum benefit.
  • Unlimited treatment costs for a period of five years supplementary to compulsory healthcare insurance, military insurance, Federal Disability Insurance or compulsory accident insurance.
  • Up to CHF 5,000 for damage to property that the insured person was wearing or carrying.

Overview and comparison of benefits

Explanatory video for transportation legal expenses insurance


Product information:
Helsana Advocare PLUS
Helsana Advocare EXTRA
Up to CHF 1m per case

Legal advice and representation for legal disputes involving motoring matters.

You receive up to CHF 1m per legal case for lawyers' fees (free choice of lawyer), court and trial fees, expert opinions, court-awarded costs and compensation, advances of bail. The insurance covers the enforcement of claims for damages (property damage, e.g. to your car), contractual disputes (e.g. in connection with the purchase, lease, rent or repair of a vehicle), the provision of a defence in the event of criminal proceedings (e.g. unjustified fines), and representation in administrative proceedings (e.g. withdrawal or confiscation of an ID or a permit) and advice in all other legal disputes.

You also receive legal support and the following financial benefits for victims of violent crime in the case of death or disability as well as for treatment costs and property loss and damage:

  • lump-sum benefit of CHF 150,000 in the event of death or CHF 300,000 in the event of full disability (without progression). If you're over the age of 65, you receive a lifelong pension instead of a lump-sum benefit.
  • Unlimited treatment costs for a period of five years supplementary to compulsory healthcare insurance, military insurance, Federal Disability Insurance or compulsory accident insurance.
  • Up to CHF 5,000 for damage to property that the insured was wearing or carrying.

Overview and comparison of benefits

Erklärungsvideo zu Verkehrsrechtsschutz


Product information:
Helsana Advocare EXTRA

Internet legal expenses insurance

Helsana Advocare EXTRA
Up to CHF 1m per case

Legal advice and representation for legal disputes in the internet.

You receive up to CHF 1m per legal case for lawyers' fees (free choice of lawyer), court and trial fees, expert opinions, court-awarded costs and compensation, advances of bail. The insurance covers contractual disputes (e.g. in the case of purchase contracts concluded via the Internet), disputes as a victim of credit card misuse, phishing and hacking (misuse of your account data), disputes in connection with cyber mobbing, menace, extortion of blackmail, disputes resulting from the infringement of incopyright, name and trademark rights (e.g. unauthorised use of a picture).

You also receive legal support and the following financial benefits for victims of violent crime in the case of death or disability as well as for treatment costs and property loss and damage:

  • lump-sum benefit of CHF 150,000 in the event of death or CHF 300,000 in the event of full disability (without progression). If you're over the age of 65, you receive a lifelong pension instead of a lump-sum benefit.
  • Unlimited treatment costs for a period of five years supplementary to compulsory healthcare insurance, military insurance, Federal Disability Insurance or compulsory accident insurance.
  • Up to CHF 5,000 for damage to property that the insured was wearing or carrying.

Overview and comparison of benefits

Explanatory video on internet legal protection


Product information:
Helsana Advocare EXTRA