Tanja and Tim want to spend a week in Spain to unwind and get away from the daily grind. Tim is taking care of the insurance so that the couple can relax without a care.
Shortly before the start of your trip, you or your travel companion suffers an accident or falls ill. In this situation you are probably unable and unwilling to travel. It may be that you are forced to cancel your trip or your holiday or to postpone it. Cancellation is generally possible, but usually only with significant financial consequences. This is where the Assistance element of the youth insurance comes in, covering flights or accommodation costs already paid, for example.
With Helvetia, you don’t need to conclude extra insurance for your luggage. It is sufficient if you have the household contents element of the youth insurance and the additional insurances «household content all risks» and «simple theft out-and-about». 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.
While on holiday, you slip when out walking. You initially think it's just a sprain, but later on a visit to the doctor or a hospital becomes unavoidable. It's now impossible to continue with your trip at the present. Regardless of whether it's you or your travel companion who is affected, with Assistance, you’ll be refunded the cost of flights home booked at short notice, for example, as well as hotel stays paid for in advance. The Assistance element can be concluded as part of the youth insurance.
During his skiing holiday Tim collides with another skier on the piste. The other skier is injured and she 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 private liability cover is an element of the youth insurance.