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Baloise Legal Expenses Insurance

Standard coverage

General

General information:

Worldwide coverage.

Insured persons:

Private individuals are insured. 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 251.80

Motor legal protection - individual:

CHF 90.30

Personal & motor legal protection - individual:

CHF 342.10

Personal legal protection - family:

CHF 325.80

Motor legal protection - family:

CHF 124.10

Personal & motor legal protection - family:

CHF 449.90

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 the same risk was previously insured and there is seamless continuity of insurance coverage.
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 and consumer law.

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.