The Kuster family is planning to fly south. Shortly before starting the trip, Tim has an accident and has to spend a few days in hospital. His parents don't want to leave him alone in this situation and are therefore forced to postpone or even cancel their trip. Cancellation is generally possible, but usually only with financial consequences. The Assistance insurance covers the Kusters' cancellation costs for the accommodation and flights already paid for.
With Helvetia, you don’t need to conclude extra insurance for your luggage. If you have household contents insurance and the additional insurances for «simple theft out-and-about» and «all risks», then this is sufficient. This way, your luggage is insured against all kinds of theft and damage when travelling, too. So with us, you can travel without a care. If, in spite of your best efforts, your luggage (clothes, camera, cell phone, etc.) is damaged or even stolen, we will provide you with immediate assistance. Sadly, we won’t be able to replace any photos you have lost, but we can alleviate the financial loss.
You're learning a new language in situ and are trying out new sports in your free time. With surfing or other types of sport, as a beginner in particular you can quickly get injured. What initially seems like a slight injury later proves to be more severe and a visit to a doctor or hospital becomes unavoidable. It may now become unthinkable to continue your trip, regardless of whether it is you or your travel companion who is affected. With the Assistance insurance, your be refunded the costs of flights home booked at short notice, for example, as well as hotel stays paid for in advance.
During your stay abroad you want to try out a local ski resort. It all happens very quickly: you collide with a correctly travelling skier on the crowded piste, she is injured and has to be transported to hospital by the rescue services. What's more, the skier's equipment is also damaged in the collision. For three months after the accident, the woman is unable to take care of the household of her family of four. Thanks to the private liability insurance, the costs for medical treatment, home help and to replace the damaged ski equipment are covered.
The state benefits in case of earning disability are very low for students and career entrants, and the same applies for benefits from the occupational benefit scheme – if there are any at all. This means that if the worst happens, your income will not keep pace with your expenditure. With private disability insurance or the corresponding additional insurance as part of the youth insurance, this gap can be filled.