Helsana Advocare EXTRA
Legal disputes can quickly become expensive. Whether you are involved in a dispute over an online purchase, a rent increase or a car accident, Helsana Advocare EXTRA worldwide internet, civil and motorists’ legal expenses cover means you are optimally insured.
For new policies starting on or after 1 January 2025, Advocare EXTRA can now be taken out as a standalone product (without TOP, COMPLETA or OMNIA).
Insured benefits
We reimburse the following benefits to you under Helsana Advocare EXTRA legal expenses insurance:
You receive reimbursement of the following benefits up to CHF 1 million per legal case:
- Lawyers’ fees (free choice of lawyer upon agreement)
- Court costs and the costs of proceedings
- Expert opinions
- Mediator
- Court-awarded costs
- Bail (advances)
The following are some of the cases covered:
- Contractual disputes (e.g. in the case of purchase contracts concluded via the Internet): CHF 50'000
- Disputes where the insured person is the victim of fraudulent credit card use: CHF 50'000
- Phishing and hacking (misuse of your account data): CHF 50'000
- Disputes in connection with cyberbullying: CHF 50'000
- Threats, extortion or blackmail: CHF 50'000
- Disputes resulting from the infringement of copyright, name and trademark rights (e.g. unauthorised use of a photograph): CHF 50'000
You receive reimbursement of the following benefits up to CHF 1 million* per legal case:
- Lawyers’ fees (free choice of lawyer upon agreement)
- Court costs and the costs of proceedings
- Expert opinions
- Mediator
- Court-awarded costs
- Bail (advances)
You also get up to CHF 10,000 of the costs for a required appearance in a foreign court and translation costs.
*As long as no other limits apply. The General Insurance Conditions for Helsana Advocare EXTRA are applicable.
The following are some of the cases covered:
- Disputes with insurers (e.g. health insurers)
- Disputes with liability insurers
- Enforcement of non-contractual claims for compensation from the other party or their liability insurance
- Disputes with tenants or landlords (e.g. following rental increases)
- Disputes with your employer (e.g. after losing your job)
- Contractual disputes (e.g. purchase contracts, travel contracts, contracts for services)
- Disputes with your neighbours
- Constructions requiring permits
- Criminal proceedings against the insured person
You will also receive up to CHF 1000 for legal advice on:
- the purchase, sale, pledging and letting of property
- matters relating to civil, family or inheritance law
You also receive legal support and the following financial benefits for victims of violent crime:
- 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 pension.
- Unlimited medical expenses for a period of five years supplementary to compulsory health 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, where the damage occurs is in connection with an insured event.
You receive reimbursement of the following benefits up to CHF 1 million per legal case:
- Lawyers’ fees (free choice of lawyer upon agreement)
- Court costs and the costs of proceedings
- Expert opinions
- Mediator
- Court-awarded costs
- Bail (advances)
The following are some of the disputes covered:
- Enforcement of claims for damages (property damage, e.g. to your car)
- Contractual disputes (e.g. related to the purchase, leasing, rental or repair of a vehicle)
- Provision of defence in criminal proceedings (e.g. in the case of unwarranted fines)
- Representation in administrative proceedings (e.g. for the confiscation of an ID)
The following vehicles are covered:
- Motor vehicles registered in the name of the insured person (including any replacement vehicle).
- Watercraft registered in the name of the insured person.
- Aircraft registered in the name of the insured person.
- Motor vehicles, watercraft and aircraft rented by the insured person.
You receive the costs of lawyers’ fees, court and trial costs, expert opinions and party compensation.
Legal protection in health matters
The insurance covers disputes with doctors, hospitals and social and private insurance institutions
Legal expenses cover abroad
This insurance 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)
What does your basic insurance cover?
Basic insurance does not cover any costs.
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Frequently asked questions
Legal disputes can soon become protracted and expensive. 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 expenses and court costs.
Thanks to your TOP, COMPLETA or OMNIA supplementary insurance, you already benefit from comprehensive legal protection in health matters or while abroad. It provides you with assistance if you get involved in, for example, legal disputes with doctors, hospitals or social and private liability insurers.
Legal disputes are also common in civil matters (e.g. disputes with your landlord or employer), in traffic (e.g. after a car accident) or in Internet-related matters (e.g. credit card misuse). You can supplement your existing legal cover for a very competitive premium with civil, motorists’ and Internet legal expenses insurance with Helsana Advocare EXTRA. That makes your legal expenses insurance fully comprehensive.
When combined with TOP, COMPLETA or OMNIA supplementary insurance, you will get Helsana Advocare EXTRA for a reduced price because the civil legal expenses cover is already included in the supplementary insurance.
Report it immediately by calling the emergency number on your insurance card or in writing. After contacting you, Helsana Rechtsschutz AG (HERAG) will take the steps necessary. Before engaging the services of a lawyer, you must obtain HERAG’s consent and approval of the costs. If you fail to comply with these provisions, HERAG is entitled to reduce its benefits.
Helsana 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 major importance to legal advice.0
- You should opt for Helsana Advocare EXTRA if you are looking for global legal expenses cover and legal advice that includes Internet law in addition to civil and motoring law.
When compared with Helsana Advocare PLUS, Helsana Advocare EXTRA generally offers more generous benefits, global cover in all areas of law and advanced cover for legal expenses associated with the use of the Internet.
Benefits are paid by Helsana Rechtschutz AG. Helsana Rechtschutz AG is a subsidiary of Coop Rechtschutz AG and Helsana Supplementary Insurances Ltd.
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 EXTRA at the same time.
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 insurance on 31 December of each year and switch to another health insurance company in Switzerland. Three months’ notice of termination must be given. Notice of termination must reach us by no later than the last working day in September. If the insurance premium changes, a one-month notice period applies. In this case, notice of termination must reach us by no later than the last working day in November.
Because this policy is only available in conjunction with supplementary insurance TOP, COMPLETA or OMNIA, it is automatically cancelled when you cancel this supplementary insurance.
A waiting period is the time (from the start of the contract) during which you do not yet have a claim to insurance benefits. The length of the waiting period can vary depending on the insurance benefit.
In this policy the waiting period differs depending on the legal issue in question. 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.
The discounts available to you on the Helsana Advocare EXTRA insurance premiums are:
- 100% discount for children up to the age of 18 with TOP, COMPLETA or OMNIA: Helsana Advocare EXTRA is completely free for children until they reach the age of 19.
- 75% discount for children up to the age of 18 without TOP, COMPLETA or OMNIA
- 50% discount for young adults aged 19 to 25.
- 25% partner discount for two or more adults aged 26 or over from the same household, insured under the same contract as the person paying the premiums.
Other supplementary insurance
You may also be interested in the following supplementary insurance:
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