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Baloise Legal Expenses Insurance

Standard coverage

General

General information:

Worldwide coverage.

Insured persons:

Within the scope of individual insurance: the policyholder. Within the scope of household insurance: the policyholder and those persons who living permanently with him/her in the same household.

Coverage Switzerland:

CHF 1,000,000

Coverage Europe:

CHF 1,000,000

Coverage World:

CHF 100,000

Insurance rate (comments):

Stamp taxes of 5 percent included.

Personal legal protection - individual:

CHF 236.60

Motor legal protection - individual:

CHF 87.00

Personal & motor legal protection - individual:

CHF 323.60

Personal legal protection - family:

CHF 306.10

Motor legal protection - family:

CHF 119.70

Personal & motor legal protection - family:

CHF 425.80

Choice of legal representation:

Free choice of lawyer.

Termination of contract:

Both parties can terminate the contract: at the latest 3 months before the end of the contract. After every insured event for which a claim is payable.

Contract duration:

Minimum contract duration: 1 year. The contract will automatically renew for another year unless termination notice is given 3 months in advance.

Waiting period:

A waiting period of 3 months applies.
No waiting period: indemnity, insurance law and criminal law.
The waiting period does not apply if there is prior insurance of the same risk.
The waiting periods also apply if new risks and/or new benefits or new insured persons are included.

Minimum amount in dispute:

Minimum amount in dispute for external services of 2000 Swiss francs. In the case of legal matters in which the other party is represented by a lawyer, no minimum amount in dispute applies.

Personal legal expense coverage:

Civil damages law, Criminal law, Insurance law, Tenancy law, Labor law, Contract law, Patient law

Personal legal protection (comments):

Special coverage: Travel legal insurance.

Driver legal expense coverage:

Civil damages law, Criminal law, Insurance law, Disqualification from driving, Vehicle contract law

Motor legal protection (comments):

Exclusions (examples): If the driver was not authorized to drive the vehicle. When acquiring or re-acquiring a driver’s license.

Legal protection advisory services:

Marital law, Personal law, Family law, Inheritance law

Legal protection advisory (comments):

Legal advisory protection (for example covering matters relating to personal, family, marital law): up to a maximum of CHF 500 per case.

General coverage:

Lawyers' fees, Travel expenses, Court fees, Counterparty's fees, Mediation, Expert reports, Penalty order

Additional services:

Real estate legal protection as supplemental insurance available.
Costs of mediation: covered.
Translation and travelling expenses (legal case abroad): covered.
Participation in the main hearing in legal proceedings: Attendance fee of CHF 200 per day, maximum CHF 1000 per legal case.