20 power foods for muscle building

20 power foods for muscle building!

What many amateur athletes with Fitness subscription do not know: The best and most sweaty workout is useless if the body does not get the nutrients it needs to build muscle. Above all, he needs complex carbohydrates and proteins, as well as vitamin complexes (C, E, B). It is important that these are balanced and that the diet is generally low in salt. Because: Salt binds the water in the body. The interaction of proteins and energy makes the muscle cells grow.

Important food groups for your muscle building

Your body needs proteins and proteins to build muscle. The following food groups are ideal for a diet that is geared towards meeting needs and increasing muscle building needs:

    1. Red meat
      It is rich in amino acids and creatine. Pork and beef, veal fillet, lamb fillet or minced meat are suitable.
    2. seafood
      Easily usable proteins and omega fatty acids: crabs and lobsters, shrimps and oysters, scallops and squid are suitable.
    3. fish
      Mainly healthy through omega fatty acids (3 and 6): swordfish and salmon, hake and mackerel, herring, plaice, sea bream, trout or sole are delicious and healthy.
    4. poultry
      Poultry is very low in fat and easily digestible. Turkey breast or chicken fillet as well as duck or minced poultry are suitable for building muscle.
    5. Eggs and dairy products
      The body needs protein to build muscle: milk and yoghurt, almond milk, low-fat curd cheese, cheese
    6. fats
      Walnut oil and other high-quality vegetable oils, hemp seeds, avocados, fatty fish and nuts provide valuable fats. Please pay particular attention to unsaturated fatty acids!
    7. carbohydrates
      Carbohydrates ensure that your body has the necessary energy. Athletes also need carbohydrates if they want to lose weight! Examples of healthy carbohydrates are whole grain pasta, brown rice, quinoa, whole grain bread, potatoes and oatmeal.
    8. vitamins
      Without sufficient vitamins, no muscle building! All the vitamins that the body consumes for its functions are required, so it is not possible to list all the individual vitamins here. Important: Do not supply the body with food supplements, but with food! The body can absorb and utilize these vitamins better.
    9. vegetables
      Vegetables provide valuable nutrients and at the same time have a low glycemic index. This means that vegetables only raise the blood sugar level slowly and drop it less quickly. This avoids cravings. Examples are potatoes, dark green vegetables such as broccoli and spinach, starchy vegetables such as corn or green peas, and other vegetables such as eggplants, onions, tomatoes, cucumber or celery.
    10. fruit
      Fruit, too, has the advantages that vegetables can offer and is suitable as a snack in between: apricots and kiwis, berries and melons, apples, pears or oranges provide many vitamins and fill you up without giving you many calories.
    11. Power food for vegetarians and vegans
      Those who do without meat provide the body with valuable muscle building substances: soybeans, lentils, oatmeal, peanuts, tofu, pecans, amaranth, millet.

The following examples are very suitable as power foods for athletes whose focus is on building muscle:

    1. Cheesecake
      Cheesecake is the ultimate powerfood! It provides plenty of carbohydrates through the dough, but the filling brings the right amount of protein. This makes cheesecake an ideal snack for athletes who focus on building muscle.
    2. scrambled eggs
      Delicious: scrambled eggs with fried potatoes! Here carbohydrates and proteins are absorbed. The dish can be supplemented with fresh cucumbers or steamed peppers, so that the vitamin intake is also secured.
    3. cereal
      Muesli is known as the power food for athletes, which provides the necessary energy and all important nutrients in the morning. So it is! Cereal flakes provide carbohydrates, quinoa and amaranth also contribute to the supply of carbohydrates. Then there is the milk, which provides the necessary proteins. A little fruit brings vitamins for the body.
    4. Salmon Cream Souffle
      For athletes, salmon is one of the best foods ever. It provides the important omega fatty acids, it is easy to digest and is even recommended as a diet despite its high fat content. The cream in the casserole provides the necessary proteins, pasta or rice for carbohydrates. If spinach is added, vitamins and minerals are added.
    5. jacket potatoes
      The very well known dish in Germany? Jacket potatoes and curd cheese? is one of the healthiest ever. The potatoes keep their valuable ingredients by cooking with skin. They provide the important carbohydrates and vitamins. Quark (or sour cream) is mixed with linseed oil and brings proteins and unsaturated fatty acids into the body. Perfect!
    6. stew
      Powerfood doesn't always have to be modern! The traditional stew, which is cooked with beef, carrots, peas and potatoes, offers your body everything you need to build muscle. Carbohydrates, vitamins and fats are included. After that, eat a yogurt to also get protein.
    7. juice
      You don't always have to drink water or unsweetened tea. Fruit spritzers are also healthy and bring vitamins to the body. But only if they were freshly pressed.
    8. chocolate
      Admittedly, chocolate has to be looked for a little bit in terms of health. But a piece of dark chocolate contains many important B vitamins and has what it takes to have a positive effect on the cardiovascular system. Enjoy a piece regularly, which also prevents the craving for sweets.
    9. Nuts as a snack
      Nuts are very healthy and mainly contain vitamins from the B complex as well as valuable fats. They are perfect as a snack in between!

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Do I need a fitness subscription to stay fit?

Do I need a fitness subscription to stay fit?

A clear answer: yes and no! This question cannot be answered simply because everyone is different and needs different suggestions and motivations and has a personal level of self-discipline. But if you start fitness training, in most cases you will certainly ask yourself whether a Fitness subscription required is or whether training cannot be adequately designed at home. We highlight the pros and cons of training at home.

Per

You can also work out at home with yoga or Pilates, with a good abdominal-leg-butt workout and small weights. You need nothing more than a good mat and the weights, plus a little idea of useful exercises. You are not bound to fixed times, but simply train when it suits you best. For individual workouts, you use videos that give you the necessary instructions. When jogging or cycling, you determine the distance you want to cover, you do not have to rely on a sports partner or trainer. It doesn't matter whether you wear fitness clothing or do sports in sloppy matters, even if sports things are of course recommended due to their flexibility and breathability.

Contraindications

Nevertheless, there are also aspects that speak against sport at home. Because: Not all sports are practiced. If you need devices for this, you can buy them, but they take up a lot of space and cost a lot of money. Please do not invest in cheap devices, in the worst case they are so inferior that they quickly break or that even your musculoskeletal system is damaged if, for example, wheel spacings or angles are incorrect.
It could also happen that your motivation suffers enormously. Those who do sports at home usually have no one to motivate them. The inner bastard can become very loud and clear and quickly shakes the good intentions for effective training.
Last but not least, it can happen that you simply do exercises wrong. You increase your risk of injury and, in the worst case, get strains or sprains. In the best case, the exercise in question is not very effective, but that is also a point that you are certainly not looking forward to.

Fitness subscription as a necessity?

It is certainly not absolutely necessary to take out a fitness subscription. But if you really want to work seriously on your goal of weight loss or the dream figure, you are better advised with such a contract. The dates for the training are usually fixed, which means that they can really be sorted into the weekly schedule. I don't like today or? Tomorrow is another day? is possible, with a subscription training is more serious and more frequent. The incentive to do sports with a trainer and to train in the community with other fitness enthusiasts is much greater than when practicing at home.

Of course, even with a membership in the gym, motivation can suffer, because when the weather is bad outside and you first have to go to the studio, you will want to be able to exercise at home. The help: meet up with friends for sports! This is where the old saying comes from: shared suffering is half suffering? actually too. Together you have more fun and can do something after the sport.

The fixed timing is certainly also disadvantageous when training in the studio. You cannot freely decide when you want to train: if you get up at five in the morning on the weekend and want to go to sports, the studio will put a spanner in the works. Nobody is there at this time! You may then be able to do the training at home and simply use the appointment in the studio. You will see how good you feel when you exercise more than planned!

Last but not least, costs certainly play a role. If you train at home, you do not have to plan fixed amounts per month that are due for the training.

But there are also ways to get the fitness subscription for free!

Follow the link and you will find out what you need to do to be professional in the studio and here too Instructions to train for free.

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Fitness tips for beginners

Fitness tips for beginners

Have you made a good resolution and finally want to do more sport? Move more, get fitter, maybe lose a few pounds? The following tips are suitable for beginners who need to motivate themselves even more so that sport becomes everyday life!

    • Set a goal

      In any case, you should define a goal that you are working towards. Do you want to build more muscle or lose body fat? Do you want to get more endurance? Define your main goal and divide the way there into different individual goals. The achievement of each individual goal creates new motivation and the will to tackle the other goals.

    • Enjoy your success

      Why should successes be celebrated at work, but not in your sport? Reward yourself for achieving goals and enjoy yourself. Your body releases endorphins, you feel happier and more motivated to go to the next goal.

    • Take pictures

      At the beginning of your training you should take a picture of yourself. If you have reached a goal, a picture is due again, which is ideally taken at similar time intervals. You can use it to check your figure and see the changes that are often not noticed when you look in the mirror. The reflection falls into the category? Result of an operational blindness? While you look at a photo more realistically.

    • Do not exaggerate

      Many beginners make the mistake of being overly motivated. They exaggerate the training and soon run out of energy and strength. Motivation suffers when you are not feeling well. Treat your body to rest! He needs them anyway to be efficient and build muscles. Rise slowly and bring the frequency and intensity of training in a reasonable relationship.

    • Find the right sport

      If you want to get really fit as a beginner, you have to find the right sport for yourself. This means that, for example, running is not made for everyone. Maybe you're more of a swimmer or a cyclist? You may not feel comfortable in the studio at all, but should you rather exercise in the great outdoors with a personal trainer or a training partner? Find what you enjoy, you can hold out longer.

    • Exercise properly

      Not everything that feels good is also for your body. Sometimes we just train wrong, and if nobody says how it is right, damage to the musculoskeletal system can occur. Prevent this by practicing in the studio with a trainer and always looking for professional support when practicing a new sport. This alerts you to mistakes and wrong movements and gives you both fun in the sport and your health.

    • Drink enough

      Some fitness beginners with Fitness subscription came up with the theory that he should rather drink less. Supposedly the body would then pull the fluid out of the muscles and look more defined. What may be right for bodybuilders on the day of their competition cannot be permanent. The body suffers when it receives too little fluid and even damage to the organs can occur. The kidneys in particular are very sensitive and need help with enough fluids if they want to cleanse the body of toxins. You should drink about 2.5 to 3 liters a day, even more in hot summers or during very intense training.

    • Eat enough

      Especially as a fitness beginner, you use a lot of energy. Don't save them, even if you want to lose weight. If you move more and don't eat more at the same time, you automatically consume more energy and your body becomes leaner. A starvation cure only hurts! There is certainly an exception for people who are very obese, but they should not start fitness training anyway without having taken nutritional advice.

    • Choose suitable clothing

      That may sound absurd, but if you feel comfortable in your sports clothing, you will train better and with more joy. The gym is of course not a catwalk, but you will feel more comfortable in a sports dress than in sloppy sweatpants. It is important that the clothing leaves enough freedom of movement so that you do not feel restricted. In addition, shoes that are well padded and relieve the joints and spine through the suspension are recommended.

    • Train according to the plan

      Make a plan for yourself to train on. If necessary, develop it together with your personal trainer. In addition, set fixed dates in the week on which you train, because this will make it easier for you to hold out. By the way: After a certain initial period, regular sport will become a permanent fixture for you and you will miss it if you should not come to exercise.

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10 tips for healthy weight loss

10 tips for healthy weight loss

The following tips will help you lose weight healthily. It's not just about reducing the amount of calories, it's about changing everyday life. Perceive your diet differently and appreciate it. Try to enjoy small successes and avoid unhealthy crash diets, which only end in frustration anyway.

1. Eat slowly

Do you know that? You are extremely hungry and devour a large portion within a very short time. Only then do you realize that it was too much now. The amount of calories you consumed is enough for a whole day! Therefore: Eat slowly and put the cutlery aside in between. Chew slowly and taste the intense aromas, which often only develop properly after some time of chewing. You will automatically eat less without going hungry!

2. Don't go hungry

It seems logical: those who eat as little as possible lose weight faster. But that's not true! The body switches to a kind of hunger metabolism and reduces its consumption. Suddenly he gets along with much less and you don't lose weight even though you eat like a mouse. As soon as you eat properly afterwards, your body will be happy and bunker energy for the next hunger period. The yo-yo effect is there!

3. Relieve stress

A body that is under constant stress does not lose weight. After all, he needs every energy that he receives to manage the stressful times and to maintain your psychological and physical stability. Therefore, try to reduce stress during the day and plan enough rest times. Get enough sleep and try relaxation exercises. These soon let the stress drop almost on command.

4. Eat chocolate

Such a tip for losing weight? Yes, because those who only adhere to prohibitions will eventually relapse. But then with all his might and the craving for sweets becomes a real orgy. It is better if you treat yourself to a piece of chocolate more often and enjoy it. Close your eyes and focus entirely on the taste.

5. Drink more milk

Whole milk is a real calorie bomb and is rightly considered a meal and not a drink. However, there are studies that say that milk drinkers are leaner than people who consistently avoid milk. Replace the afternoon cake with a glass of milk and you will see that you will be full longer and will have less appetite for sweets.

6. Be a child

No, it does not mean general behavior. But there are sports that are still preferred by children. These are less about sport than for fun. But both can be combined excellently and you can, for example, book rope skipping or trampoline jumping as a great fitness exercise. You consume a lot of calories: Rope skipping is up to 300 Kcal in ten minutes!

7. Exercise

Of course, healthy weight loss also requires a lot of exercise. But that does not mean that an absolute grumpy sportsman is a must Fitness subscription required. Just try to incorporate more movement into your everyday life. For example, you can take the stairs rather than the elevator, ride your bike to work or get off the train one station earlier than you wanted. Go to the swimming pool with the children or explore the forest with your dog. More exercise does not mean that you have to do sweaty sport.

8. Schedule fixed appointments

This does not mean the usual appointments that have to be scheduled for work and family. Rather, it is about the dates that are available for you. If you want to lose weight, you have to do something for it regularly. So that the inner piggy does not get bigger than your good intentions in everyday life, you should plan fixed days a week for sports, walks or even more exercise. These appointments will soon become a habit and you will no longer have to insist that they will be kept.

9. Simply switch off

We all know that: in the evening the television is switched on, we lounge on the couch and let the day (far too long) end in front of the tube. Most of the time there isn't even anything exciting that would justify staying up for so long! Just switch off and plan to do without TV at least one day a week. In time, you could also move more or just go to sleep.

10. Forget counseling

There are countless guides that want to show you how to lose weight. But all the great tips don't help if you aren't convinced of it. Forget about the guides, too, who are guru-like and sell their philosophy as the ultimate. It is almost impossible to lose 20 kg in a week or to make a similar concept work. Find your own path, which usually consists of a combination of different tips. Above all, rely on the proven and not on new promises.

Do you want to know how you can play sports sensibly and still not have to pay anything? So you pay nothing for your fitness subscription!

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10 tips for building muscle

10 tips for building muscle

Science describes muscles as contractile organs that work through contraction and relaxation. This means that when a muscle tenses, its opponent is relaxed and vice versa. This results in the fact that muscles can be strengthened through increased training and thus through stronger and more frequent tensing. But it is not just the frequency of training that ensures strong muscles! The following tips also help you to achieve well-defined muscles:

1. Don't forget strength training

Even if it seems logical, it is often forgotten: strength training is always better suited to building muscles than cardio training. At best, you do your strength exercises before the endurance training, because now the muscles are still maximally efficient. You are not required to the extent of the subsequent cardio training and can therefore relax. The maximum strength is available to you at the beginning of the training session for the strength exercises.

2. Feed the protein kingdom

As a rule of thumb, you should take two to three grams of protein per kilogram of body weight per day. Ideally, you do not supply this amount via food additives and protein shakes, but instead rely on a balanced diet, the focus of which is on the protein. Divide the protein over the day, at best over six meals. This way your muscles can always be removed from this? Depot? live off.

3. Regularity is key

Many athletes have big goals and train very intensively. But soon the ambition diminished and the training workload was revised downwards. However, it is much more helpful to start with low goals and work on them regularly. Regularity beats the training intensity by lengths!

4. Pay attention to the drinks

Muscle building also depends on how you eat. A healthy diet naturally also includes drinks, which at best should be unsweetened. Avoid soft drinks, they are too loaded with sugar. As a rule of thumb for the right amount, you should consume one liter of liquid per 20 kg of body weight. With a body weight of 60 kg, that's three liters a day. That sounds like a lot, but it's a matter of practice.

5. Slowly increase weights

If you use weights to build muscle, increase them regularly. If you train two or three times a week, you can add some weight every week. Increase slowly and limit yourself to a maximum of 500 grams per week. At the beginning of the desired strength training, you should also only start with a low weight, because even little weight is more than your muscles have had to lift up to now.

6. Develop compact exercises with the personal trainer

Targeted training is usually very difficult for inexperienced users, so it is advisable to find a trainer who can draw up a training plan. Important: You should above all include compact exercises, because these stress the body and ensure that it builds up muscles quickly. The stress releases growth hormones, which lead to stronger muscle growth.

7. Train from big to small

Small muscles are rather the little helpers in the body and are practically trained on the side. Therefore, concentrate on exercises that especially challenge the large muscles. If these are exhausted, you can still give yourself up to the little side players and stimulate them with suitable exercises. The maximum strength should be kept for the large muscles and also used for training them.

8. Pay attention to the calorie intake

Just because you do strength training, you don't need a double portion of food! With intensive training, around 500 Kcal more are enough to provide your body with sufficient supplies. Pay attention to high-quality foods that contain all the nutrients your body needs and avoid increasing the amount of calories with fats or sweets.

9. Find the best training time

Follow your biorhythm and find the time when you are most productive. It doesn't have to be early in the morning or after work. Maybe an extended lunch break is a good idea for training or you can go with them in the evening hours Your fitness subscription in the Gym. The muscles perform differently throughout the day. Find your personal? Performance time ?!

10. Recover well

Your body is certainly stressed by so much training. Give him enough time to relax and give him enough sleep. It is believed that after approximately 48 hours the muscles are back in their original condition, so the next workout should take place after a maximum of two days. The body uses the breaks in between to build up muscles. But only if he gets enough sleep!

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Travel insurance: How you are guaranteed to go on vacation worry-free

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Travel insurance: How you are guaranteed to go on vacation worry-free!

A travel insurance is guaranteed to bring you relaxed on vacation: But that only applies if you pay attention to a few things and do not fall for the beautiful appearance that is awakened by some advertising promises. You should therefore find out in good time about various providers and their products and also consider whether you want to take out annual insurance or just need insurance for a single trip.

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The advantage of annual insurance is that it includes many risks that are not covered by temporary travel insurance. For this, it must be canceled in good time, you no longer need the annual insurance. Here are a few tips on how you can enjoy your vacation without worries:

    • Should you consider the item? Theft abroad? have not insured, you should insure your luggage separately. It is lost too quickly, but is then not covered by regular travel insurance. Unfortunately, many insurers only offer luggage insurance at an additional cost and are not included in the insurance package. Compare the possibility of extending the household insurance and taking out luggage insurance with one another and decide on the variant that is cheaper in terms of the premium.
  •  
    • Would you like to go on vacation by car? Then you should definitely cover the breakdown assistance (vehicle assistance). This means you are on the safe side if a tire blowout or an accident occurs on vacation. The insurance covers the costs for the breakdown service, the towing service and the return of the vehicle to Switzerland. In addition, the delivery costs for spare parts are paid for, but not the spare parts themselves. You would also have to pay for them yourself in Germany, so there is no insurance for them when you travel. In addition, vehicle assistance ensures the onward journey, even if this involves additional costs. Important: Protection is often limited to Europe.
  •  
    • If you are traveling to so-called problem countries, it may make sense to take out legal protection abroad. This is especially true if you will be traveling there with a rental car, because private liability does not apply there.
  •  
    • Medical expenses insurance does not cover all costs, but only covers the differential costs between the services that are provided by law and those that are effectively incurred. Accident insurance that also applies abroad can make sense.
  •  
    • Many insurers require a certain distance from the holiday destination to their home town; Most of the time, 50 km can be seen as a border. Important: Make sure that the policy really applies where you want to go! This is especially true for annual insurance that is tacitly extended and may not apply worldwide. In the worst case, you pay the premium every year and then travel to a country where insurance cover does not apply.
  •  
    • If you want to avoid double insurance and thus unnecessary costs, you should definitely compare the existing insurance protection with the protection offered by travel insurance. Many tariff components become superfluous if you are already well insured and you only have to cover individual modules.

If you want to go on vacation relaxed, you should now compare the travel insurance, Find a provider with whom you can really enjoy your vacation!

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Advantages of travel insurance

Advantages of travel insurance

Advantages of travel insurance

Travel insurance has numerous advantages. Only those who pay a premium year after year and never make use of the insurance will see it as a dispensable insurance company. However, everyone else who has ever got into the situation of having to cancel a trip due to illness or another serious reason will confirm that travel insurance is definitely beneficial.

Advantages of travel insurance

The following advantages cannot be denied:

    • Travel insurance protects against cancellation of the holiday. If you have to cancel the trip for an important reason, the insurance will cover the costs. This applies not only if you, the insured person, cannot travel with you, but also if a person close to you cannot travel. Cancellation is possible even for other important reasons.
  •  
    • Insurance pays for additional costs. If, for example, the airline goes on strike and you have to travel with a plane other than the one actually booked, the insurance will cover the additional costs incurred. These can relate to the actual travel costs, but also the costs that are incurred, for example, for an additional night in the hotel.
  •  
    • Fellow travelers are also insured. If your partner or another accompanying person does not have their own insurance, they can also be insured. This means that only one policy has to be taken out, all travelers are protected. This is made possible through parcel insurance such as family insurance. This means that the person traveling with you also enjoys the full insurance cover that applies, for example, in the event of an accident, death, illness or sudden loss of job.
  •  
    • Advance costs are borne. Many hospitals abroad require an advance on the costs that will arise from the treatment. The insurance provides help and advice to those affected, but also the necessary financial means. Because advances in treatment costs are covered by travel insurance.
  •  
    • The luggage is insured. Surely you can do the theft abroad? also secure with household insurance and have thus adequately protected luggage. Luggage insurance includes a fixed amount that can be agreed upon, which can be used in the event of late arrival of the luggage. If the most important utensils have to be bought at the travel destination because the luggage does not arrive on time, the insurance pays for it.
  •  
    • Advice and service are offered. Anyone who has a breakdown or an accident abroad is dependent on help at the latest if he or she does not speak the local language. Travel insurance offers experts who are available by phone or e-mail and can provide advice on how to proceed. So nobody is on their own and knows what to do.

Conclusion:

Travel insurance is surely dispensable in many cases. But there are also some cases in which they are not exactly that and in which travelers are or were happy to have taken out this insurance. Traveling is more relaxed and financially secure. Even in the event of unforeseen events, at least nobody has to worry about the financial side. 


You can view the offers Compare travel insurance now! Find the right insurance partner for you and your next trip and see the project? Vacation? relaxed towards.

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Travel insurance in comparison: Swiss providers scrutinized

travel insurance

Travel insurance in comparison: Swiss providers scrutinized

The following table shows an overview of the most important providers of travel insurance in Switzerland, but does not claim to be complete. The grades mentioned in the evaluation come from the rating of the Swiss Institute for Quality Tests (source: https://www.qualitaetstest.ch/tests/reiseversicherungen-2019-tarife-und-servicequalitaet-im-test).

travel insurance

Our tip: Make the decision for or against a provider not solely dependent on the premium. However, you can use this as an important criterion. But also take into account the benefits that are particularly versatile for individual insurers and can be put together individually using numerous small modules. Here you can find the offers for Compare travel insurance now!

insurance name

Products and building blocks etc.

headquarters

insurance carrier

Grade after customer surveys

Allianz Global Assistance

- travel insurance

 

- luggage insurance

 

- cancellation insurance

 

- breakdown assistance

Zurich

Allianz Suisse Insurance Company Ltd

5,1

Zurich

- travel insurance

 

- Cancellation insurance

Zurich

Zurich Insurance Group

5,0

Helvetia

- cancellation insurance

 

- Personal assistance

 

- Motor vehicle assistance

 

- E-bikes assistance

Basel

Helvetia Swiss Insurance Company Ltd

5,0

the furniture

- cancellation insurance

 

- Personal assistance

 

- Motor vehicle assistance

 

- Business travel insurance

Bern

Swiss Mobiliar Insurance Company AG

4,9

Basler

- cancellation insurance

 

- Medi Service SOS

 

- SOS vehicle

Basel

Basler Versicherung AG

4,8

ERV

- Multi trip

 

- Study trip

 

- Single trip

 

- Dog and cat

 

- luggage insurance

 

- Travel law protection

 

- Airline bankruptcy

 

- special insurance

Basel

Helvetia Swiss Insurance Company Ltd

4,8

smile direct

- cancellation insurance

 

- luggage insurance

 

- dog and cat

 

- SOS protection

 

- replacement trip

Dübendorf

  1. direct insurance; Branch office of Helvetia Schweizerische Versicherungsgesellschaft AG

4,8

AXA

- cancellation insurance

 

- Personal assistance

 

- Vehicle assistance

Winterthur

AXA Insurance Ltd

4,6

CSS

- Medical expenses insurance

 

- Personal assistance

 

- cancellation insurance

 

- luggage insurance

 

- Foreign legal protection insurance

Lucerne

CSS Versicherung AG

4,6

Generali

- cancellation insurance

 

- Personal assistance

 

- Vehicle assistance

 

- Foreign legal protection insurance

Nyon

Generali Allgemeine Versicherungen AG

4,5

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Personal assistance: These case studies require a service

Personal assistance: These case studies require a service

The element of personal assistance is usually offered together with the cancellation insurance, which experts consider to be really useful. With the cancellation insurance, the apron of the trip is already covered, with the personal assistance, however, it is about the time of the trip itself, starting from the arrival.

It is important for the insurance to cover the benefits that the insured person or someone close to them becomes seriously ill, suffers an accident or dies. The same applies to the deputy at the workplace. The following case studies show when the personal assistance of Travel insurance a service takes over:

    • The deputy at work fails due to an accident, you have to travel back straight away and start your job in the company. The insurance covers all related costs.
    • They get lost on a hike and stay nowhere. A helicopter and the mountain rescue service are looking for you, which is very expensive. These costs are borne by the insurance company.
    • You are on a tour in Ghana and are seriously injured there. Surgery is unreasonable, you have to be transported back to Switzerland. The insurance bears the costs.
    • Grandmother dies at home while on vacation. The return journey from vacation will be started immediately.
    • In order to find a succession plan for the injured substitute at work, numerous telephone calls have to be made. The insurance covers the costs for this.
    • The insured person dies on vacation. The cost of returning to Switzerland is borne by the insurance.
    • In the event of an acute illness, treatment in hospital is necessary. This requires an advance payment so that treatment can begin. The insurance takes over this advance.

Personal assistance does not always pay

However, the personal assistance provided by travel insurance does not always cover the costs of a canceled holiday. If treatment becomes necessary but is not classified as an emergency, the insurance will not pay any more than if an injury results from a risk. Anyone injuring themselves while bungee jumping abroad and accepting the risk of insufficient protection must expect that the insurance will not pay. 

Personal assistance also does not cover the costs of illnesses that existed before the contract was signed and only showed up on vacation or worsened there in need of treatment.

Conclusion: Personal assistance is an important insurance

An accident can happen quickly on vacation and cause high costs or even make it necessary to cancel the trip. Personal assistance assumes the costs incurred, but also restricts the granting of benefits. It is therefore important to take a close look before taking out insurance. 

You can view the offers for Compare travel insurance and should absolutely observe the exclusions of the individual insurers. Many cases that appear unambiguous cannot be considered for a service due to the exclusions stipulated in the general contract conditions. In general, the personal assistance is especially recommended for medium to high-priced trips and for trips that should extend over a longer period of time.

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Cancellation insurance: case studies provide information about their necessity

Cancellation insurance

Cancellation insurance: case studies provide information about their necessity

In general, experts recommend taking out cancellation insurance if a household travels at least three times a year. The overall travel costs are then quite high and a cancellation without insurance is painfully noticeable in the travel budget. This also applies to medium to high-priced trips that should be insured.

Cancellation insurance

This is covered by the cancellation insurance

The cancellation insurance is part of the travel expenses insurance and can be taken out either for a single trip or as an annual insurance. It regulates in an insurance contract which reasons for cancellation of a trip are reimbursable. Not every reason why a trip has not started counts! Cancellation insurance pays in the following cases:

    • The insured's mother-in-law suffers a heart attack. She is brought to the hospital and is in the intensive care unit. The vacation is canceled.
    • The partner of the insured person who is traveling breaks his leg on the way to work. The ski vacation must be canceled.
    • The insured person was unemployed for a long time and applied for many jobs. Now she can finally start a job and do it immediately. The start of work overlaps with the vacation, which must now be canceled.
    • Unexpectedly, there is an avalanche at the vacation spot. This is now in a state of emergency and can no longer be visited.
    • Shortly before departure on vacation, the insured person receives the notice of termination. The vacation can no longer be started for financial reasons alone.
    • The grandfather dies, the vacation is not started.
    • The holiday cannot be started because the airline is on strike.

In these cases, the cancellation insurance does not pay

If a couple separates shortly before the trip begins, the cancellation insurance does not pay, even if the financial burden for a traveler alone becomes very high. Slight ailments are also not seen as a reason for performance. If you have booked a holiday by the sea and the weather forecast predicts only storms and rain for the duration of your stay, this is also no reason for the insurance to be paid. Bad weather is not considered a good reason for cancellation.
Important tip: When choosing the provider, pay attention to the listed exclusions! You should include these in the comparison so that you can get a concrete picture of the price-performance ratio. You have the option of Travel insurance providercompare here now! On Comparison of travel insurance in Switzerland it's worth it.

Conclusion: Cancellation insurance only pays in certain cases

The cancellation insurance does not always pay. If you cancel a trip for reasons of slight ailment, the insurance does not have to take effect. It only pays if there are pre-defined reasons for canceling the trip, and these reasons must be really serious. Death, illness or natural disasters are such reasons for which the insurance benefits.

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