Big plans for the future, a head full of ideas and a completely relaxed attitude to life – anyone who is young and active shouldn’t have to worry about their own safety. Helvetia youth insurance offers young people, apprentices, students and young adults comprehensive insurance coverage no matter where they find themselves in life.
In an independent cost comparison by Moneyland.ch, Helvetia Assistance travel insurance for young people up to 25 years old was rated first among all insurance companies.
The household contents insurance covers damages to your movables and personal household items in case of a fire or by natural forces (flooding, storm or hail), theft or a flood inside the building. The all risks supplementary cover offers protection against damage to items outside the home – e.g. luggage, sports equipment, cell phones or laptops.
Private liability insurance protects you from any financial consequences if you damage someone else’s property or injure someone. The external driver protection insures you for the use of other people’s vehicles.
The Assistance insurance covers the costs in case of cancellation or premature termination of a trip, an event (including ticket costs, for example) or a seminar, and offers assistance with travel incidents. The motor vehicle Assistance covers the costs of breakdown recovery and towing services, as well as for return and salvaging and for a replacement vehicle.
The private legal expenses insurance protects you with legal advice and takes care of the costs in the case of a legal dispute (solicitor fees, expenses for expert opinions, court and procedural costs, process and attorney’s fees, costs of any fines issued). The legal expenses insurance for motorists protects your rights as a road user.
As a student or trainee, you get very low benefits from the state disability insurance, so you are particularly affected by the consequences of earning disability. With an earning disability pension you can ensure an additional pension.
Like many students, Christina is stressed when her end-of-semester assignment is due. She even makes final revisions while on the bus. She’s in such a rush that her laptop falls to the floor. The screen cracks, the DVD slot breaks and the hard drive gives up the ghost. There’s no possibility of repair. Unfortunately, Helvetia can’t help with the lost semester assignment, but thanks to the supplementary cover in her household contents insurance, Helvetia can replace the laptop.
Thomas has no car of his own. For bigger errands he borrows a friend’s car every now and again. On the last occasion there was a problem: Thomas had an accident when he wasn’t paying attention. Fortunately, he wasn’t hurt, but the vehicle is a total loss. Thanks to the additional insurance in his private liability insurance, Helvetia covers the damages.
Patrick is a keen skier. He is always among the first to buy a season pass for his favourite skiing area. This winter, however, he is having to forego spending much time on the slopes. On his first outing of the season Patrick injured his knee and will probably have to sit out the rest of the season. At least, thanks to his Assistance insurance, Helvetia will pay him the cost of the unused part of the season pass.
Sara often makes purchases online. She knows the risks online shopping involves, but doesn’t want to do without it. With her last online purchase, however, the goods were never delivered, leading to a legal dispute with the online retailer. Thanks to her legal expenses insurance, Sara can count on professional legal support.
Oliver has completed his training. Now he is starting to earn money and is financially independent for the first time. His colleague recently had an accident, meaning he was unable to work for some time. Since then, Oliver has been thinking more and more about what would happen if he were no longer able to work due to illness or an accident. He wants to be sure that his income is secure in such cases and decides to conclude an earnings disability pension.
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.
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.
No. Losses have no bearing on the premiums within the youth insurance.