瑞士生活指南（三）：家庭财产保险、个人责任保险 与建筑物保险
瑞士生活指南（三）：家庭财产保险、个人责任保险 与建筑物保险 在上一期的“瑞士生活指南”中，我们为您详细介绍了瑞士的医疗保险系统，以及如何投保。本期公众号，我们将为您介绍在瑞士生活可能需要购买的另外三项保险：家庭财产保险（强烈推荐）、个人责任保险（租户必投）与建筑物保险（业主必投）。 家庭财产保险并非强制险，但是强烈建议每位住在瑞士的居民进行购买。个人责任保险对于租户来说为强制保险，但也建议业主购买。建筑物保险则是业主的强制保险，每个州都有相应的监管条例。 在瑞士提供以上保险的三家最知名保险公司有： 赫尔维希亚（Helvetia） 苏黎世保险集团（Zurich Insurance Group） 瑞士人寿（Swiss Life）家庭财产保险 房屋发生水灾、入室抢劫、火灾情况后，受到损坏的生活家具往往需要尽快更换。家庭财产保险即用于覆盖该部分的损失。对于瑞士居民来说，家庭财产保险与个人责任保险是最基本的保险之一。家庭财产险虽非强制，但是每位瑞士居民都有必要购买。 保费金额取决于公寓/房屋面积、居住人口数量、动产价值以及起赔额，保费按年支付。 01 基础保险 家庭财产保险覆盖家中全部动产，出现损坏后以重置价值赔偿，即根据申请索赔时的使用时长、使用程度、折旧程度与磨损程度计算。 适用场景包括火灾或其他自然灾害、入室抢劫（针对财物）、抢劫（针对人）、建筑进水或玻璃破损等情况，入室偷窃也在保险范围内。 与受损物品直接相关的损失也属于保险范围当中，比如清理现场或其他生活支出。 以家庭为单位的保险，若未成年人周中寄宿、周末返家也可享受全部保险福利。 02 补充保险 如果客户需要对额外范围进行保险，可以根据自身情况购买对应的补充保险。不同保险公司会推出不同的补充保险，以下为部分保险内容： 全套生活家具保险： 保险范围延伸至全部生活用品类型，包括手机、自行车、时速25km/h以内的电动自行车、行李箱、运动器材、笔记本电脑等。 住宅以外区域发生的生活物品失窃： 在永久住宅建筑以外发生的生活物品非暴力失窃。 配有发动机的自行车或电动自行车： 时速25km/h以上配有发动机的自行车或电动自行车如遇破坏、损毁、偷窃、抢劫或其他损失，可申请保险索赔。 特殊价值物品： 单件价值在 20,000瑞郎以内的物品，保费主要取决于合同签署时的物品价值。 保修期延长： 家中全部电子设备的保修期可在制造商提供的保修期结束时延长三年。电子设备价值不应低于300瑞郎。 网络安全： 赔偿使用互联网时所带来的损失，比如信用卡误刷、身份盗用、在线购物中存在的问题等等。 宠物保险： 该类保险承担宠物的就诊费用（狗、猫、马等宠物）。 地震： 因地震或火山喷发受损的家庭财产可得到赔偿。 住宅建筑物周边： 可将居住类住宅周边的家庭财产纳入保险范围（植物、避暑小屋、游泳池等）。 个人责任保险 个人责任保险是对他人或他人财产造成的损失的保险，是最基础的保险类型之一。往往细微的疏忽可能会导致非常严重的经济后果，尤其是在房屋租赁时，租户可能在不经意间损坏了房主的财产，比如造成洗手池上的裂缝或者镶木地板上的划痕等等。 个人责任保险可以对造成的财物损坏和人身损伤进行赔偿，并赔偿由此造成的经济损失。此外，出现第三方侵权索赔时，该保险还可以赔偿由此产生的辩护费用。如果您存在民事伴侣关系，您的同住人同样可以享受该保险；离家居住的未成年人只要登记地址在家里，也可享受该保险。 建筑物保险 03强制险 纳沙泰尔州立保险与预防机构（ECAP）规定，州内的全部建筑必须购买火险与自然灾害险。 04 补充险 住宅类房屋通常是人生中最大的一笔投资，房屋所有人需要承担房屋的一切经济风险。因此可以通过购买补充保险，抵御所在州强制的建筑物保险中未覆盖到的更多风险。 不同保险公司的建筑物保险内容有所不同，涵盖内容举例如下： 全部财产，包括土地、建筑物、附属建筑以及周边环境建筑物上的固定物品、设备、材料 建筑的保险价值为其恢复价值。也就是说，若发生损坏，保险将赔付建造同样类型建筑所需要的费用。该保险范围包括：门、加热系统、太阳能设备、马桶、嵌入式厨柜等。换言之，可移动家具和生活用品不属于该保险范围。 通常该保险覆盖以下风险： 洪涝、风暴、冰雹、雪崩、积雪压塌、落石、滑坡等自然灾害 由于闪电或高压造成的火灾、烟雾以及消防用水，或由于高温或炙烤导致的爆炸或损坏 盗窃或盗窃未遂 液体或气体危害，如自来水漏水、融水损害、雨水损害等 玻璃破损，包括玻璃重置成本以及造成的相关损失 雷梭勒团队将为客户提供有关瑞士家庭财产、个人责任和建筑物保险的咨询，并协助投保。如您需要了解更多详细资讯，欢迎联系瑞士雷梭勒家族办公室：400-006-7726。 Original English Text Household contents, private liability insurance and building insurance A. Introduction The household contents insurance is not mandatory but highly recommended for all Swiss residents. The private liability insurance is mandatory for all tenants and highly recommended for landlords. The building insurance is mandatory for all landlords and is regulated by each Canton. The biggest insurance companies in Switzerland for this type of insurances are: HelvetiaZurich Insurance GroupSwiss Life B. Household contents Whether there is a water damage, a burglary or a fire in your home, when your household contents are damaged you need to replace them quickly. Household contents insurance covers the loss. In Switzerland, along with the private liability insurance, it is one of the most important forms of insurance. The household contents insurance is not mandatory but highly recommended for all Swiss residents. The price of the premium depends on the size of the apartment/house, the number of people living in, the value of the movable property and the deductible. The premium is payable on a yearly basis. 1. Basic insurance Household contents insurance covers all movable property in your home at replacement value, which means that at the time of the claim, no impairment is applied to take account of age, use or wear and tear. This applies in the event of fire or natural forces, burglary (use of force against objects), robbery (use of force against people), water inside the building or glass breakage. Theft within your home is also insured. Necessary follow-up costs incurred directly in connection with the occurrence of an insured loss are also insured – for example, for cleaning up at the site where the loss occurred or for additional living expenses. Children who are studying away during the week and return home at weekends are covered in full under family insurance. 2. Supplementary insurances In case you want a more extensive coverage, there are supplementary insurances available according to your needs. Each insurance company offers its own supplementary insurances, however we can identify the following supplementary insurances. Household contents all risks: This extension covers your entire household contents for all types of loss or damage. This includes smartphones, bicycles, e-bikes capable of speeds up to 25 km/h, luggage, sports equipment, laptops, etc. Simple theft away from home: Outside your permanent dwelling your household contents are insured against theft not involving the use of violence. Motorized bicycles and e-bikes: Covers damage to motorized bicycles and e-bikes capable of speeds of 25 km/h or faster in the event of damage, destruction, theft and robbery or other loss. Special valuables: The insurance covers valuables with an individual value of up to CHF 20,000. The value at the time when the contract is taken out is the decisive factor. Warranty extension: Warranties on all electronic devices in the home can be extended by three years from the expiry of the manufacturers warranty. The insurance covers devices with a minimum value of CHF 300. Cyber: Cyber cover insures you against damage arising from use of the Internet. Examples include credit card misuse and identity theft, as well as online shopping, etc. Pet insurance: The insurance covers veterinary treatment for pets (dogs, cats, horses and other pets). Earthquake: Your household contents are insured against earthquakes and volcanic eruptions. Area around the building: You can include the area around your building (plants, summerhouses, swimming pool) in your household contents as a supplement. 3. Private liability insurance Private liability insurance covers you for any damage you cause to other people or their property. It is one of the most important types of insurance, as even small lapses of attention can have major financial consequences. Tenants in particular can easily cause damage to someone elses property – for example by cracking a washbasin or making a dent in a parquet floor. The insurance covers you for damage/injuries caused by you to persons and property, as well as for any resulting financial losses. In addition, the insurance reimburses costs incurred in mounting a defence against unjustified third-party claims. If you live in a domestic partnership, cover can be extended to include all persons permanently living in the same household as you. Children living away from home are also covered as long as they are registered at home. 4. Building insurance 1) Mandatory insurance All buildings located on the territory of the canton of Neuchâtel are compulsorily insured against fire and natural elements by ECAP (Cantonal insurance and prevention institution). What is insured? 2) Supplementary insurance Your home is usually the biggest investment you will make in your life. As the owner you have to bear all the financial risks. Therefore, you can contract a supplementary insurance to get a better coverage. Building property insurance covers risks not included in the compulsory building insurance of your canton. Each insurance company proposes its own building insurance. Here an example of the coverage: The entire property, i.e. the land, the building and its components as well as the surrounding areaObjects, equipment and materials that are firmly attached to the building Your building is insured at its reinstatement value. That means, if it is damaged, the insurance will reimburse the cost of constructing a building of the same type. The insurance covers, for example, doors, heating systems, solar installations, toilets and built-in cupboards. On the other hand, moveable furnishings and household contents are not covered. In most of the cases, the following risks are insured: Natural forces such as high water and flooding, storms, hail, avalanches, snow pressure, rockfall and landslides Fire, smoke and fire-fighting water, e.g. a...
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