1. Waiting Periods
One key difference is the waiting periods before you are eligible to file certain types of claims. For specific areas of law, waiting periods differ as follows:
Basic Plan: 6 months for employment law disputes.
Advanced Plan: 3 months for employment law disputes.
For more details on waiting periods and a breakdown by legal areas, refer to our detailed guide.
2. Right of Withdrawal Period
In Germany, legal insurance plans include a right of withdrawal period, during which you can cancel your contract and receive a full refund of premiums paid:
Basic Plan: 14 days
Advanced Plan: 60 days
Important Note: The right of withdrawal is only valid if the insurance has not been used (e.g., for phone consultations or claims).
3. Worldwide Coverage Limits
While both plans offer unlimited coverage for legal cases within Germany, coverage for legal support outside Germany differs:
Basic Plan: Up to €250,000
Advanced Plan: Up to €500,000
4. Self-Employment
Legal disputes related to self-employment or freelancing are treated differently:
Basic Plan: No coverage for self-employment or freelancing claims.
Advanced Plan: Coverage available for secondary income from self-employment/freelancing (up to €22,000 annually). Neither plan covers disputes if self-employment is the primary income source.
5. Specific Areas of Law Coverage
Coverage limits and inclusions vary significantly between the two plans for certain types of legal disputes:
Family Law
Basic Plan: €250 per case (inheritance or civil partnership/marriage disputes).
Advanced Plan: Up to €5,000 per case (inheritance disputes) and up to €2,500 per case (civil partnership/marriage disputes).
Investments/Assets
Basic Plan: Covers only low-risk investments.
Advanced Plan: Covers high-risk investments and assets up to €50,000.
Home/Real Estate Law
The Advanced plan offers broader protection for property-related disputes:
Building/Construction Disputes: Not covered under Basic; up to €5,000 per case under Advanced.
Expropriation, Planning Approval, and Land Consolidation: Up to €100,000 per case under Advanced; not covered under Basic.
Development and Local Connection Work Disputes: Covered under Advanced; not included in Basic.
For further clarification or personalized assistance in choosing the right plan, please contact our support team.