Private legal protection
With private legal protection, you can protect your legal interests without having to think about the costs.
What is the private legal protection insurance
Private legal protection covers private legal matters. Even if you try to avoid disputes, it can always happen that you disagree with an opposing party or are wrongly accused. Whether it is a dispute with your employer or your landlord, or in the case of inheritance or in a divorce - the private legal protection insurance is available to you legally in every situation in life.
What is covered by private legal protection insurance?
The benefits of private legal protection insurance:
Employment Law
In the event of disputes between you and your employer, legal protection insurance is always at your side.
Insurance law
Disputes between you and the Swiss insurance companies are also covered by this insurance.
Rental law
In the event of a dispute with your landlord, you are entitled to benefits from your legal protection insurance. For example, in the event of a dispute because your landlord is not fulfilling his obligations.
Criminal law
If certain allegations are made by the criminal authorities, e.g. because you have inadvertently committed a crime, legal protection insurance is always at your side.
Patient right
Patient law includes legal disputes from you as a patient in various areas, such as in the hospital or at the doctor's, dentist, pharmacist, physiotherapist, alternative medicine. Nursing homes and other medical facilities are also covered.
The most important facts about private legal protection insurance
With private legal protection, you are not only supported financially, but you also receive continuous legal support in your disputes. In the event of a dispute, private legal protection offers you protection against high legal and attorney fees. Thus, you get the help you need in choosing your lawyer or in getting personal legal advice. The private legal protection protects all persons living in the same household, as they are also insured in the contract. Thus, your family or roommate is also protected. The coverage of <>private legal protection</> applies throughout Switzerland as well as abroad.
Sum insured
Depending on which insurance company you are with and the area responsible for your dispute, the sum insured in Switzerland is between 5,000 and 1,000,000 francs. Legal protection insurance covers up to CHF 500,000 abroad.
Waiting period
The waiting period – also known as the waiting period – varies depending on the area and can last from one month to six or twelve months. Once this waiting period has expired, you may make use of this service.
Free choice of lawyer
Many legal expenses insurance companies will provide you with an internal lawyer. The legal protection insurance and their lawyers are at your disposal for all legal questions or disputes. With some insurance companies you even have the choice to freely choose a lawyer and of course you can decide for yourself which lawyer you want to be represented by.
FaQ: Frequently asked questions about private legal protection insurance
The legal protection insurance starts from the date set by you and the payment of the first premium. The waiting periods (waiting periods) must always be observed. They vary depending on the area and can last from one month to six or twelve months. Once this waiting period has elapsed, you may claim this benefit.
Legal proceedings which took place before or during the conclusion of a legal protection insurance policy are not insured and will not be paid by the legal protection insurance.
Only all legal disputes after the commencement of insurance will be covered by your insurance.
Other costs that are not paid by the legal protection insurance:
If the amount in dispute is lower than the minimum amount specified in the contract, the insurance company will not pay any costs.
Also, disputes between family members who are insured with you under the same policy will not be covered by the legal protection insurance.
Malicious activities, the active participation of a thug.
There are some insurance companies that allow you to choose your own lawyer. You can decide yourself which lawyer you want to be represented by. However, there are also many legal protection insurance companies that provide you with an in-house lawyer. For all legal questions or disputes, their lawyers are at your disposal.