Baloise Legal Expenses Insurance
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Standard coverage
General
Worldwide coverage.
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.
Stamp taxes of 5 percent included.
Free choice of lawyer.
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.
Minimum contract duration: 1 year. The contract will automatically renew for another year unless termination notice is given 3 months in advance.
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 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.
Special coverage: Travel legal insurance.
Exclusions (examples): If the driver was not authorized to drive the vehicle. When acquiring or re-acquiring a driver’s license.
Legal advisory protection (for example covering matters relating to personal, family, marital law): up to a maximum of CHF 500 per case.
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.
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