youth insurance

In the youth insurance you can choose between four sums insured for your household contents: CHF 10,000, 20,000, 30,000, 40,000, 50,000 or 60,000.

You cannot choose a greater sum insured in the youth insurance unless you conclude our standard product household contents insurance.

It makes sense to prepare a precise breakdown of your entire household contents (furnishings, household appliances, electronics, hobby, leisure, travel, sports, collections, etc.). On top of this sum insured, you can add 10% for new purchases so that you don't always have to adjust the sum insured immediately.

In the youth insurance you can choose between the following sums insured: CHF 10,000, 20,000, 30,000, 40,000, 50,000 or 60,000. If your sum insured is greater than CHF 60,000 then the household contents insurance must be concluded as the standard product.

What happens if the sum insured is lower than the value of my household contents that I have to replace as a result of damage (cover shortage)?
If your sum insured is too low, there is a gap in your insurance coverage. That means that in the event of damages, you may not be able to replace your entire household contents. You should therefore review the value of your household contents regularly so that you are always sufficiently insured. In case of damage caused by natural forces, the compensation will be reduced accordingly (see also underinsurance).

The basic insurance comprises the following elements: household contents, private liability, Assistance and legal expenses insurance. You can also conclude numerous supplementary cover options, such as external driver insurance or disability cover. All the elements, including those in the basic insurance, can be concluded individually or in combination. You put together the benefits you want, and thereby conclude your own personal youth insurance.

You can conclude the youth insurance from your fourteenth birthday until shortly before your twenty-fifth birthday. You can conclude a policy while still living with your parents (your parents don't have to be insured with Helvetia) or once you have already moved out.

The youth insurance is a supplement to your parents' policy and is designed as provisional insurance for when you move out of the family home. When moving out of home, insurance probably won't be the first thing on your mind. However, if you already have a policy (e.g. for household contents and private liability), then you will already be insured at the new address, even if you don't report your change of address immediately.

You can also insure various risks as part of the youth insurance, which are not covered or not insured under your parents' policy. These include, for example, mobile phone insurance (theft), comprehensive travel insurance for all trips throughout the year or the reimbursement of concert or season tickets, etc.

You can conclude the youth insurance until one day before your twenty-fifth birthday at the latest, but you can benefit from this attractive premium up until your twenty-eighth birthday. This means you benefit from the youth rate for three extra years!

You can convert your policy to our regular private customer insurance. With this insurance, you can enjoy comprehensive benefits and an attractive combination discount if you purchase multiple products. Or you can cancel your contract upon expiration.

Yes. With a product from the youth insurance, you enjoy all the advantages and benefits of the standard insurance products on offer, and you also pay an attractive rate.

Yes. You can conclude the insurance you desire directly using our premium calculator. Online conclusion is possible for the most important insurance products in the youth segment. Please do not hesitate to contact us if you wish to add additional elements.

The youth insurance is always an individual insurance. It’s therefore necessary for you and your boyfriend to conclude two separate youth insurance policies.

If you have children, they will be covered by your insurance.

If you want to have the option to cancel your contract on the expiry date each year, regardless of the contract term you have chosen, the supplement you pay is 10% of your annual premium.

In our online youth insurance we offer only fixed deductibles. If you are interested in other deductibles, then please contact your relevant Customer Advisor. Possible deductibles in the household contents or in the private liability insurance are either zero, CHF 100.00 or CHF 200.00, depending on the level of cover.

Generally, termination is always possible up to three months before expiration of the contract term. Unless terminated, the contract will automatically be extended by another year.

If the contract term is more than one year, you can include the optional annual right of termination by paying a premium surcharge.

No, there is no insurance coverage for lost items in the youth insurance. Your watch is insured if it is stolen from your home (basic insurance for theft). It is only insured away from home if the additional insurance of «simple theft out-and-about» has been concluded.

By including the additional insurance «household contents special», you can cover household contents that are temporarily located away from the permanent residence from unforeseen and sudden damage due to external influences.

The value as new of the handbag and its contents are covered if you have concluded the supplementary cover «simple theft out-and-about». Where cash is concerned: in case of a burglary or robbery with the use of force, cash up to CHF 5,000.00 is insured. In case of simple theft there is no cover for cash.

Yes, the deductible listed is deducted from the compensation for each event.

No. Losses have no bearing on the premiums within the youth insurance.

The household contents insurance basically covers damages to objects in and around your home. Items that are temporarily (no more than two years) outside of from your home are protected worldwide in case of damage due to fire, natural forces, theft and water damage. An additional insurance must be concluded for simple theft out-and-about.

Private liability, Assistance, legal expenses insurance and the earnings disability pension apply worldwide. If you are moving abroad, however, the entire insurance policy expires after two years or immediately if requested by you.

The basic insurance for household contents and the supplementary covers of «simple theft out-and-about» and «household contents all risks» cover many risks that can occur with your device.

Be it a fall or a broken display, water damage or misuse of the device after a theft: With the youth insurance, you are insured against these risks.

Yes. If disputes arise from contracts that have been concluded online, you will be insured up to an amount of CHF 3,000.00.