Overview of insurance products

Optional supplementary insurance

Helsana Advocare PLUS – solid legal expenses insurance

Helsana Advocare PLUS civil and motorists' legal expenses insurance can very competitively complement your health and foreign legal expenses cover under your TOP, COMPLETA or OMNIA supplementary insurance.

You benefit from legal advice and representation in the event of legal disputes relating to civil or motoring matters. You get up to CHF 300,000 per case for legal expenses and court fees.

Competitive legal protection: legal advice and representation for legal disputes in civil and motoring matters.

Insurance benefits

The insurance benefits reimbursed by Helsana Advocare PLUS legal protection insurance are:

Civil legal expenses insurance 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

What does basic insurance cover?

Costs are not covered by basic insurance. The insured parties must fund legal expenses and court fees themselves.

Details about basic insurance >

Transportation legal expenses insurance 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

What does basic insurance cover?

Costs are not covered by basic insurance. The insured parties must fund legal expenses and court fees themselves.

Details about basic insurance >

Calculate premium / request quote

Select your desired insurance cover. You can then request a quote or conclude the insurance directly online.

Premium calculator

FAQs

Answers to frequently asked questions about Helsana Advocare PLUS legal expenses insurance:

Why do I need legal expenses insurance?

Anyone can get into an unexpected dispute – as a road user, employee, tenant, property owner, or consumer, as a party to a contract or even as a neighbour.

If you're going to win your case, it helps to have an expert by your side. Legal disputes can soon become lengthy and expensive, and you need an advance on costs if they go to court and you need to be represented by a lawyer.

Legal expenses insurance covers legal advice, representation by a lawyer if the case comes to court, and most of the legal costs and court fees.

My Helsana supplementary insurance includes legal protection benefits. Isn't that enough?

Thanks to your TOP, COMPLETA or OMNIA supplementary insurance, you already benefit from comprehensive legal protection while abroad or in health matters. This helps you if you get involved in, for example, legal disputes with doctors, hospitals and providers of social insurance and private liability insurance.

Because legal disputes are also common in civil matters (e.g. disputes with your landlord or employer) or in motoring (e.g. after a car accident), you can supplement your existing legal cover with highly affordable civil and motoring legal expenses insurance with Helsana Advocare PLUS. That makes your legal expenses insurance fully comprehensive.

What disputes are covered by civil legal protection?

Helsana Advocare PLUS private legal expenses insurance covers:

  • Insurance disputes, for example with a personal liability insurer
  • Disputes with your landlord, e.g. after a rent increase
  • Disputes with your employer, e.g. after losing your job
  • Contractual disputes, e.g. contracts for sale or purchase, travel contracts or contracts for services
  • Disputes with your neighbours
  • Constructions requiring permits
  • Advice on the purchase, sale, pledging and letting of property
  • Advice on family or inheritance law or the law of persons
What disputes are covered by motor legal expenses insurance?

Helsana Advocare PLUS motor legal expenses insurance covers:

  • Compensation claims for physical damage, for example to your car (valid worldwide)
  • Contractual disputes, for example relating to the purchase, leasing, rental or repair of a vehicle (valid for Europe and the Mediterranean countries)
  • Provision of a defence in the event of criminal proceedings, for example for an unjustified fine (valid for Europe and the Mediterranean countries)
  • Representation in administrative proceedings, for example where the driving licence is to be withdrawn (valid for Europe and the Mediterranean countries)
What are the differences between the two types of legal expenses insurance offered by Helsana?

Helsana's Advocare legal expenses insurance can be taken out in two variants – PLUS and EXTRA:

  • Helsana Advocare PLUS is your first choice if you are looking for comprehensive and affordable legal expenses cover for disputes involving civil and motoring law, and attach importance to sound legal advice.
  • You should opt for Helsana Advocare EXTRA if you are looking for worldwide legal expenses and legal advice insurance that extends to Internet law in addition to civil and motoring law. You spend a lot of time abroad, shop regularly online, and are looking for an insurance solution that offers complete protection.

When compared with Helsana Advocare PLUS, Helsana Advocare EXTRA generally offers more generous benefits, worldwide cover in all areas of law and advanced cover for legal expenses associated with the use of the Internet. The Advocare comparison table gives you a clear overview of the differences.

Who's behind Helsana's legal protection offering?

The benefits are paid by Helsana Legal Protection Ltd. Helsana Legal Protection Ltd is the subsidiary of Coop Legal Protection Ltd and Helsana Supplementary Insurance Ltd.

Who can take out this insurance?

You can take out this insurance if you meet the following conditions:

  • You have your official place of residence in Switzerland.
  • You already have TOP, COMPLETA or OMNIA supplementary insurance or are applying for one of them and for Helsana Advocare PLUS at the same time.
How and when can I terminate the insurance?

Because this policy is only available in conjunction with the supplementary insurances TOP, COMPLETA or OMNIA, it is automatically terminated when you terminate your supplementary insurance.

  • The minimum term is one year.
  • The contract is automatically renewed each year on the expiry date for a further year.
  • You can terminate the policy on 31 December of each year, subject to three months' notice.
  • If the premium is adjusted, a shortened notice period of one month applies.

Details about termination >

Is there a waiting period?

The waiting period is the period between the date on which the insurance cover under your policy begins and the date from which you can claim benefits.

  • In this policy the waiting period differs depending on the legal issue. In some cases there is no waiting period while in others it is three months. In the latter case you will not have legal expenses cover until the end of these three months at the earliest.
  • You can find the detailed rules in the General Insurance Conditions (PDF, 88KB) .
Is there a discount? How can I save on premiums?

The insurance premium for Advocare PLUS is already very reasonable, and you get the following additional discounts on it:

  • 100% discount for children up to the age of 18: Helsana Advocare PLUS is completely free for children until they reach the age of 19.
  • 50% discount for young adults aged 19 to 25.
  • 25% partner discount for two or more adults aged 26 and over from the same household insured under the same contract as the person paying the premium.

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