BVG – Occupational Pension
UVG – Accident Insurance
KTG – Daily Sickness Allowance
BVG – Occupational Pension
UVG – Accident Insurance
KTG – Daily Sickness Allowance
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- Pension in case of incapacity to work due to illness
- Pension for children in case of incapacity to work due to illness
- Retirement pension and pension for the children of retirees
- Pension for the spouse and orphan's pension
- One-time compensation if the criteria for pension entitlement are not met
The second pillar of the Swiss social security system is known as the pension fund and helps ensure that the accustomed standard of living can be maintained appropriately after retirement.
The second pillar supplements the basic benefits of the minimum pensions from the first pillar, the AHV. Are you a sole proprietorship, a GmbH, or an AG? Who takes care of the connection with the BVG? Where can the BVG be concluded? Who is insured?
In this sea of questions, our specialists are available to advise and support you.
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We help you find the best solution for your retirement insurance.
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Pension Insurance in Switzerland - The Three-Pillar System
- Pillar 1, state insurance: AHV, IV, ALV, EO, FAK.
- Pillar 2, occupational insurance: BVG, UVG, and KTG.
- Pillar 3, private insurance: life insurance, financial instruments, etc.
Additional benefits
Additional capital in case of death
Increased savings contributions to improve the retirement pension
Early savings contributions for individuals under 25 years old
- Treatment costs
- Additional expenses in case of accidents
- Unpaid leave
- Late consequences of previous accidents
- Remaining salary in the event of death
The Accident Insurance Act is mandatory and protects employees from the economic consequences of accidents, similar bodily injuries, and occupational diseases.
Suva or private insurance? Which professional groups are insured under the UVG, and where? Ensure you and your employees are optimally protected against accidents, both at work and in leisure time. Our specialists are available to help you properly secure your business.
Statutory coverage with benefits
Benefits of the UVG
- Mandatory accident insurance (UVG) for all employees
- Accidents and occupational diseases are covered
- Accidents during leisure time (accidents outside of work) are insured for individuals working more than 8 hours per week.
- Medical treatment and services in the general hospital ward without cost sharing
- Disability pension up to 80% of the insured salary
- In the event of death, a pension of up to 70% of the insured salary for spouses and orphans.
- Compensation for integrity in the event of a permanent physical, mental, or psychological impairment
Important services
Accidents at the workplace and outside the workplace
Occupational diseases
Daily allowance
Care services and cost reimbursement
Disability pension
Survivor's pension
Compensation for integrity
Compensation for full disability
- Coverage amount
- Coverage period
- Special coverages
Is the employer obliged to provide protection against the economic consequences of an employee’s illness? Is there a requirement to insure the daily sickness allowance (KTG)? What is the goal of daily sickness allowance insurance? When and who benefits from compensation through the KTG?
To be properly insured as an employer, our specialists help you gain a clear overview in the field of insurance – for both you and your employees.
KTG insurances – Compare and save
In the event of illness or during maternity leave, employees continue to receive their salary for a certain period of time, even if they do not report to work. This is stipulated by law.
Employers can protect themselves against these costs with KTG insurance. While it is voluntary, KTG insurance is highly recommended as it shields the company from substantial expenses in the event of long-term illnesses.
KTG insurance in Switzerland – Compare now and save.
Benefits of collective daily sickness allowance insurance
- Coordination with the BVG in case of a claim
- Right to switch to individual insurance
- Meets the requirements of many collective labor agreements (GAV)
- A good insurance policy increases your attractiveness as an employer
- Competitive prices for workplace health promotion measures
Legal and contractual foundations
Code of Obligations (CO) Article 324a and the Loss of Earnings Compensation Act (LECA)
Collective labor agreements (CLA) and standard employment contracts (SEC)
Frequently Asked Questions (FAQ)
- Contracts with pension funds typically have a term of 3 to 5 years. Check your contracts to see if cancellation is possible. After the contract term ends, the contract is automatically renewed for another year if no timely termination is made. The usual notice period is 6 months, and a switch in insurance providers can be made at the end of the year.
- Wenn Sie sich entscheiden, die Pensionskasse zu wechseln, möchten Sie möglicherweise auch andere Versicherungen einbeziehen. Häufig werden Kombipakete und Sparangebote angeboten, wenn gleichzeitig die Unfallversicherung (UVG) und die Taggeldversicherung bei Krankheit (KTG) geändert werden.
Wenn Sie mehr als 8 Stunden pro Woche für denselben Arbeitgeber arbeiten, ist Ihr Arbeitgeber verpflichtet, eine UVG-Versicherung für Sie abzuschließen.
Die Taggeldversicherung bei Krankheit (KTG) wird häufig zusammen mit der Beruflichen Vorsorge (BVG) abgeschlossen, um Prämienrisiken zu sparen und finanzielle Lücken bei Zahlungsverzögerungen der IV-Leistungen zu vermeiden. Wenn KTG und BVG bei derselben Versicherungsgesellschaft abgeschlossen werden, profitieren Sie oft von besseren Konditionen.
