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Old 08.04.2013, 13:53
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Legal insurance - 3 months delay

Hi guys,

I come with a simple and innocent question if you can help...
I just now realized that I might be needing a legal insurance for some issues so my question is:
Are all legal insurances bundled with a period of 3 months when you cannot use them for a case ?
Is there any exception to this from what you know of ?

Thank you.
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Old 09.04.2013, 09:55
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Re: Legal insurance - 3 months delay

Well they usually exclude already pending cases or will not cover the first three months. But depending on your case, you might not need legal insurance.
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Old 09.04.2013, 10:22
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Re: Legal insurance - 3 months delay

Well, basically it is a problem related to work law and some abuses which might escalate into something completely undesired.
So far I found none that would not come with the penalty of 3 months and if something happens (not triggered by me) then I think it will not pass in 3 months but earlier.
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Old 09.04.2013, 16:19
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Re: Legal insurance - 3 months delay

Well if it is already apparent that a legal issue will arise it will be difficult to find coverage. However without knowing the details of a case it will be difficult to judge how to proceed.
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Old 10.04.2013, 00:54
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Re: Legal insurance - 3 months delay

Yes it is usual the 3 month waiting period for a majority of the providers, a few have 2 months.
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Old 10.04.2013, 07:42
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Re: Legal insurance - 3 months delay

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Well, basically it is a problem related to work law and some abuses which might escalate into something completely undesired.
So far I found none that would not come with the penalty of 3 months and if something happens (not triggered by me) then I think it will not pass in 3 months but earlier.
FYI, you can be fired without any reason as long as notice is given. Not much you can do, perhaps start looking for another job.
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Old 10.04.2013, 07:58
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Re: Legal insurance - 3 months delay

All insurance have some form of this waiting period as otherwise people would only take up insurance in case of a problem and that of course would destroy the business model, based on many paying and a few using, and become very expensive.

For work related issues I think you can also go the unemployment office and ask advice: they are typically keen in you not getting fired but maybe someone can confirm if this is true as I am only basing my statement on hearsay.

Lastly, you will almost certainly not be successfull in suing an employer in CH.

K
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