✅ Disability pension due to illness

✅ Child’s disability pension due to illness

✅ Old-age pension & old-age child pension

✅ Spouse’s pension & orphan’s pension

✅ Lump sum payment if the criteria for a pension are not met

The second pillar of the Swiss social system, known as the Pension Fund, helps ensure that after retirement, one can continue their accustomed standard of living in an appropriate manner.

The second pillar supplements the basic benefits of survival pensions from the first pillar, the AHV (Old-Age and Survivors’ Insurance). Sole proprietorship, GmbH, or AG? Who takes care of the BVG (Occupational Pension Plan) connection? Where can the BVG be connected? Who is insured?

Our specialist is available to provide advice and support in navigating these questions.

✅ Medical treatment costs

✅ Additional costs in case of accidents

✅ Unpaid leave

✅ Late consequences of previous accidents

✅ Continued salary payment in case of death

The Accident Insurance Act is mandatory and insures employees against the financial consequences of accidents, accident-like bodily injuries, and occupational diseases.

Suva or private insurer? Which occupational category is insured under UVG? Ensure optimal accident coverage for yourself and your employees, both at work and during leisure time. Our specialist will support you in properly insuring your business.

✅Mandatory Accident Insurance (UVG) for all employees

✅ Covers occupational accidents and diseases

✅ Non-occupational accidents are covered from 8 working hours per week

✅ Medical treatment and general hospital ward without cost sharing

✅ Disability pension up to 80% of the insured salary

✅ Death pension up to 70% of the insured salary for spouses and orphans

✅ Compensation for permanent physical, mental, or psychological impairment

Occupational and non-occupational accidents

Occupational diseases

Daily allowance

Care benefits and reimbursement of costs

Disability pension

Survivor’s pension

Integrity compensation

Helplessness compensation

✅ COVERAGE AMOUNT

✅ COVERAGE PERIOD

✅ SPECIAL COVERAGE

Is it the employer’s duty to protect employees against the financial consequences of illness? Is the connection to daily sickness benefits insurance (KTG) mandatory? What is the purpose of daily sickness benefits insurance? When and who is entitled to KTG compensation?

To ensure proper coverage as an employer, our specialist will help you navigate the complex world of insurance—for both you and your employees.

In the event of illness or maternity leave, employees receive their salary for a certain period, even if they are absent from work. This is required by law.

Employers can protect themselves against these costs with KTG (German Social Insurance). KTG insurance is voluntary but highly recommended, as it protects the company from high costs in the event of prolonged illness.

KTG Insurance Switzerland – Compare now and save.

✅Coordination with BVG in case of benefits

✅ Right to transfer to individual insurance

✅ Complies with the provisions of many collective labor agreements (GAV)

✅ Good insurance coverage increases your attractiveness as an employer

✅ Preferential rates for corporate health management measures

Swiss Code of Obligations (CO) Art. 324a and
Loss Compensation Act (EOG)

Collective Labor Agreements (GAV) and
Standard Employment Agreements (NAV)