Life Insurance
AXA Legal Protection No-Worries Package
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Premium coverage
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3-year minimum contract term
General
Worldwide coverage. No annual policy offered.
Within the scope of individual insurance: the policyholder. Within the scope of household insurance: the policyholder and those persons who live permanently with him/her in the same household.
Stamp taxes of 5 percent included.
Choice of legal representation: the insurance company has the right to reject a lawyer proposed by the insured person. The insured person may then propose three lawyers from different law firms in the relevant jurisdiction, from which the insurance company can select the lawyer to be appointed.
Both parties can terminate the contract: at the latest 3 months before the end of the contract or insurance year. After every insured event for which a claim is payable.
Minimum contract duration: 3 years. The contract will automatically renew for another year unless termination notice is given 3 months in advance.
The cancellation can also expressly relate to only part of the contract (e.g. a module).
No waiting period. The insurance coverage will be granted after the commencement of the insurance.
No minimum amount in dispute.
Special coverage: Property law, tax law, personal rights, expropriation law, copyright law and animal law.
Supplementary cover for renters can be taken out in addition to the Living & Daily Life module.
Supplementary cover for management functions can be taken out in addition to the Work module.
Exclusions (examples): Disputes that involve drugs or alcohol. If the driver was not authorized to drive the vehicle. When acquiring or re-acquiring a driver’s license.
Free legal hotline.
Higher premium for homeowners.
Can be upgraded to the Legal Consultation Plus model for a higher premium. Inheritance law: up to 3000 francs.
Loss of salary: up to CHF 5000.
Translation and travelling expenses.
For all legal cases that happen in the same insurance year, a maximum amount insured of CHF 1,000,000 applies.
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