Travelling abroad

Legal expenses insurance

«We've been involved in a car accident abroad and apart from the unusual inconvenience, we're also having trouble with the other driver involved. How do we get redress?»

Rechtsschutz

If you take your car abroad, you should be aware that traffic regulations and legislation are not the same as in Switzerland. This will become evident if you are involved in a car accident. If you end up having an accident, you'll be confronted with several problems: language barriers can make communicating more difficult. Dealing with local authorities can also prove to be complicated. And on top of that, witnesses abroad tend to put the blame on foreign drivers as a matter of course. If the matter ends up in a legal dispute, you'll incur legal and court fees.

Police report required

Try to stay calm, be polite, and avoid arguments at the scene of the accident. First aid for any injured persons is top priority. Call the police even if there is only property damage. Have a police report drawn up and by no means sign an acknowledgement of culpability.

Document the accident and the damage incurred from your point of view. You can use the European accident report form if the accident took place in a European country. Take photos and enclose them with the accident report. Report the accident to your motor insurer and find out what to do next.

What can Helsana do for you?

Helsana won't desert you if you're involved in an accident abroad. Corresponding supplementary insurances include foreign legal protection insurance, which covers legal advice and representation by a lawyer in court.

Extended protection with Advocare PLUS

The special supplementary insurance offered by Helsana Advocare PLUS complements the healthcare and foreign legal insurance expenses insurance offered by the supplementary policies with civil and motoring legal expenses insurance. So you can enjoy complete protection throughout Europe and in the countries bordering the Mediterranean.

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

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

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