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Have you had any experience with the Helsana Advocare legal expenses insurance? Would you recommend this legal insurance?
Hi there,
The legal expenses insurance from Helsana is an optional rider which can be added to supplemental health insurance policies from Helsana at an added premium. This insurance is not available as a stand-alone policy.
The insurance is underwritten by Helsana Rechtschutz AG, a joint venture between Helsana and Coop Rechtschutz.
There are two different policies available: Helsana Advocare Plus and the more expensive Helsana Advocare Extra.
Advocare Extra:
Advocare Extra provides coverage in the personal legal insurance, motorist legal insurance and cyber legal insurance categories.
The rider provides up to 1 million Swiss francs of coverage for legal expenses in (most) European countries. Global coverage (outside of Europe) is limited to 100,000 francs. Cyber legal insurance is limited to 50,000 francs. Coverage for legal action related to contracts closed online is limited to 1000 francs).
Special coverage limitations apply to legal disputes between neighbors (10,000 francs), legal expenses related to buildings (10,000 francs) and the cost of legal consultation for issues related to personal law, family law, inheritance law and tax law (1000 francs).
Advocare Plus:
The Advocare Plus rider provides less insurance coverage (300,000 francs) than the Extra rider. It also provides a smaller scope of coverage (no cyber insurance, for example).
Premiums:
The Advocare Extra rider costs 18.80 francs per month in premiums, which comes to a total of 225.60 francs per year. Taking out this rider for both you and your spouse or partner entitles you to a 25% discount. The Advocare Plus rider costs 9.80 francs per month.
A look at the coverage and premiums of stand-alone legal insurance policies using the moneyland.ch legal insurance comparison shows that the Helsana Advocare legal insurance riders are among the more affordable options for obtaining legal expenses insurance coverage BUT you can only take out this rider in combination with a supplemental health insurance policy from Helsana, which commands its own premiums. That makes a direct comparison difficult.
If you are only looking for legal expenses insurance, you would be better off getting a stand-alone legal insurance policy. If you need supplementary health insurance, take time to compare the costs of Helsana policies to those of other supplemental health insurance policies. You can do this using the supplemental health insurance comparison on moneyland.ch.
Best regards from Moneyguru
More on this topic:
Legal expenses insurance comparison
Supplemental health insurance comparison
