Legal translation for insurance. From general conditions to claim files

A Swiss insurer publishes its general conditions in several languages, receives claims in all of them and replies in the language of the insured. Corrext follows the Federal Act on Contracts of Insurance.

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Each term, in the official text

Highlight an insurance term: CHnell shows its German version in the same official text, with its source.

preneur d'assuranceFrenchGerman340 results

Art. 9 Objet de l'assurance L'objet de l'assurance est un intérêt économique du preneur d'assurance (assurance pour son propre compte) ou d'un tiers (assurance pour compte d'autrui).

Art. 9 Gegenstand der Versicherung Gegenstand der Versicherung ist ein wirtschaftliches Interesse der Versicherungsnehmerin oder des Versicherungsnehmers (Versicherung für eigene Rechnung) oder einer Drittperson (Versicherung für fremde Rechnung).

GS-EFD FF20117199 Bundesgesetz-über-den-Versicherungsvertrag-Versicherungsvertragsgesetz-VVG-Entwur - Source: fedlex.admin.ch - Data Set: Neur.on

L'assurance peut porter sur la personne, sur des choses ou sur le reste du patrimoine du preneur d'assurance (assurance personnelle) ou d'un tiers (assurance d'autrui).

Die Versicherung kann sich auf die Person, auf Sachen oder auf das übrige Vermögen der Versicherungsnehmerin oder des Versicherungsnehmers (Eigenversicherung) oder einer Drittperson (Fremdversicherung) beziehen.

GS-EFD FF20117199 Bundesgesetz-über-den-Versicherungsvertrag-Versicherungsvertragsgesetz-VVG-Entwur - Source: fedlex.admin.ch - Data Set: Neur.on

Art. 58 Faillite du preneur d'assurance En cas de faillite du preneur d'assurance, le contrat demeure en vigueur et l'administration de la faillite est tenue de l'exécuter.

Art. 58 Konkurs der Versicherungsnehmerin oder des Versicherungsnehmers Wird über die Versicherungsnehmerin oder den Versicherungsnehmer der Konkurs eröffnet, so bleibt der Vertrag bestehen und die Konkursverwaltung ist zu dessen Erfüllung verpflichtet.

GS-EFD FF20117199 Bundesgesetz-über-den-Versicherungsvertrag-Versicherungsvertragsgesetz-VVG-Entwur - Source: fedlex.admin.ch - Data Set: Neur.on

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Insurance vocabulary, in all four languages

‘Réticence’ is the classic false friend. The German term describes a breach of the duty of disclosure, and the French word used by the Act does not have its everyday meaning. These equivalents are those of the official text. The English column uses the translation published by the Confederation on Fedlex where there is one, which has no legal force, and common usage otherwise.

German	French	Italian	English	Reference
Versicherungsvertrag	contrat d'assurance	contratto d'assicurazione	insurance contract	art. 1 LCA
Versicherungsnehmer	preneur d'assurance	stipulante	policyholder	art. 2 LCA
Allgemeine Versicherungsbedingungen	conditions générales d'assurance	condizioni generali d'assicurazione	general insurance conditions	art. 3 LCA
Verletzung der Anzeigepflicht	réticence	reticenza	breach of the duty of disclosure	art. 6 LCA
Prämie	prime	premio	premium	art. 19 LCA
Versicherungsfall	sinistre	sinistro	insured event	art. 38 LCA
Rückversicherung	réassurance	riassicurazione	reinsurance	art. 2 LSA

Equivalents taken from official Swiss texts, published in German, French and Italian. In Corrext, each term opens in context in Fast lookup CHnell, with its source.

The acts insurers cite every day

Swiss private insurance rests on two complementary acts: one governs the contract between insurer and insured, the other the supervision of insurance companies. The Code of Obligations and data protection law come into play every day.

VVG

Federal Act on Contracts of Insurance

FRLCAITLCA

It governs the proposal, the policy, the premium, the duty of disclosure and the insured event

ISA

Insurance Supervision Act

DEVAG

It makes insurers and reinsurers subject to a licence and to supervision

Code of Obligations (CO)

DEORFR · ITCO

It applies on a supplementary basis to the insurance contract, for everything the Federal Act on Contracts of Insurance does not regulate

FADP

Federal Act on Data Protection

DEDSGFR · ITLPD

It governs the processing of personal data, including health data, in claim files

Translating insurance documents, in practice

Private insurance translation deals with documents in which every word determines cover: general conditions, proposal, policy, claim notification, settlement correspondence. The core concepts are defined by the Federal Act on Contracts of Insurance, published in German, French and Italian. A gap between two wordings can shift who bears an obligation.

Insurance documents

General conditions
General insurance conditions are republished at every revision. With the translation memory, only what has changed is retranslated.
Policy and endorsements
The policy uses the terms of the general conditions. The concordancer lets you check that a word has not drifted from one version to another.
Claim notification
Notifications arrive in the language of the insured, often handwritten or scanned. The PDF to Word tab first produces an editable document.
Expert reports
A technical or medical report is translated in its original format, up to 25 files of 50 MB per upload.
Settlement correspondence
A letter declining or accepting a claim binds the insurer. A Full review by a legal translator checks the scope of every sentence.

What Corrext brings to this area

Health data

A personal injury claim file contains sensitive data. Highly sensitive content mode keeps storage and processing in Switzerland only.

Sourced terminology

The Private Insurance domain of the CHnell concordancer shows the official usage of an insurance term, with its reference.

Social insurance

Files often combine private and social insurance. The concordancer also covers the Employment & Social Ins. domain.

Three stages of the insurance cycle that require translation

Underwriting

The general conditions

The general conditions are revised, then republished in German, French and Italian. The translation memory limits the work to the amended clauses, and a Full review covers the passages that determine cover.

Claim

A notification in another language

The notification and its annexes, often scanned, are converted into editable documents and then translated. The claims handler understands the file immediately, without waiting for an external translation.

Settlement

A decision to send to the insured

The letter declining or accepting the claim binds the insurer and may be produced in court. It goes through a Full review by a legal translator, with the delivery time known before you approve the quote.

Frequently asked questions on insurance translation

Do general conditions have to exist in several languages?

An insurer active in several language regions publishes them in the languages of its insured. The difficulty is not publication but consistency: the same word must cover the same thing in every version. The translation memory and the concordancer help you maintain this over time.

How should health data in a claim file be handled?

Storage is in Switzerland in every case. For sensitive data, Highly sensitive content mode requires processing in Switzerland only, with no reuse of the content in a translation memory. Before anything is sent, engines hosted abroad display the Attorney-Client privilege notice, which reminds users of your organisation's policy.

Can scanned claim notifications be processed?

Yes. The PDF to Word tab in Text and document translation converts a scanned PDF into an editable Word document, which can then be translated and annotated. This helps with handwritten notifications and with reports sent as images. The resulting file then follows the same workflow as other documents.

What level of review for a letter declining a claim?

A Full review by a legal translator at the very least, because the wording can be held against the insurer. For internal communication or an acknowledgement of receipt, a Light review is enough. You choose the level document by document, with the delivery time shown before you approve.

Does the concordancer cover insurance vocabulary?

Yes, with a Private Insurance domain, and an Employment & Social Ins. domain for files involving social insurance. Each occurrence opens in context with its official source, so you can decide between two plausible wordings. Your own terminology resources are added on top.

How many documents can I upload for a single claim?

Up to 25 files of 50 MB per upload in Text and document translation, in .pdf, .doc, .docx, .xls, .xlsx, .ppt and .pptx formats. For a heavier file or human review, use Translation projects. Documents come back in their original format, annexes included.