Question juridique clé
Whether the insured met the conditions for a light-grade helploss compensation based on life-practical accompaniment
Solution extraite
The existing file did not allow a legally sufficient assessment of whether the insured needed life-practical accompaniment; further medical and factual clarification was required.
Motifs extraits
The court accepted that life-practical accompaniment is a distinct institute and can apply even if the insured lives with parents, but the medical and home-assessment reports lacked reliable, detailed findings on the extent of functional limitations and time needed. The RAD opinions were insufficiently substantiated and not properly signed/vised.