Legal protection

Legal expenses insurance Helsana Advocare PLUS

With the supplementary insurance policies TOP, COMPLETA or OMNIA you already benefit from comprehensive foreign and healthcare legal expenses insurance in the event of disputes with doctors, hospitals, social security bodies and personal liability insurers etc.

Because legal disputes are also common in civil matters (e.g. disputes with your landlord) or in motoring (e.g. after a car accident), you can supplement your existing cover inexpensively with civil and motoring cover with Helsana Advocare PLUS, thereby turning your cover into comprehensive legal expenses insurance.

  1. What benefits are covered?
  2. For whom is this insurance recommended?
  3. Good to know
  4. How you can save premiums
  5. These cases are covered

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What benefits are covered?

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

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


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For whom is this insurance recommended?

  • People looking for solid yet affordable legal expenses cover for disputes involving civil and motoring law, and attach importance to sound legal advice.
  • People who have already taken out the supplementary insurance policy TOP, COMPLETA or OMNIA at Helsana or Progrès.

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Good to know

Who can take out this policy?

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

  • You are officially resident in Switzerland.
  • You already have the supplementary insurance policy TOP, COMPLETA or OMNIA or apply for this at the same time as Helsana Advocare PLUS.
How long does the policy run?

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 as of 31 December each year. There is a notice period of three months.
  • If there are changes in premiums a shortened notice period of one month applies.
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 can only claim benefits at the earliest at the end of these three months.
  • The details are set out in the General insurance conditions (PDF, 88KB) .

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How you can save premiums

Rebates for Helsana Advocare PLUS
25%, 50% or 100% rebate

You get the following discounts on the already very reasonable insurance premium for Helsana Advocare PLUS:

  • 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 people from the age of 19 to 25.

  • 25% partner discount for two or more adults from the age of 26 from the same household insured under the same contract as the person paying the premium.


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These cases are covered

Civil legal expenses insurance
  • 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
  • Buildings that require authorisation
  • Legal advice in cases relating to the purchase, sale, pledgeing and letting of property
  • Advice on personal, family or inheritance law
Motoring legal expenses insurance
  • Assertion of damage 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)


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