Helvetic Insurance

HELVETIC INSURANCE

Employee Insurance in the Private Sector in Switzerland

Employee insurance in Switzerland’s private sector forms the cornerstone of the country’s social and economic stability. Whether you are an employer seeking to meet your obligations or an employee looking for security, understanding the insurance system is essential.

Mandatory Coverages

In Switzerland, employers are required to provide certain basic coverages for their employees:

Mandatory Accident Insurance (UVG): Covers occupational and non-occupational accidents.
Health Insurance: Employees must enroll in private health insurance, although employers are not required to cover premiums.
Pension Coverage (2nd Pillar - LPP): The occupational pension is co-financed by both the employer and the employee.

Optional Coverages

In addition to mandatory insurances, optional coverages provide extra protection:

Supplementary Private Health Insurance
Income Protection Insurance: Safeguards employees against loss of income due to illness.
Professional Liability Insurance: Particularly relevant for executives or high-responsibility professions.

The Importance of the Third Pillar of Insurance in Switzerland

In Switzerland, the three-pillar pension system is designed to ensure financial security after retirement. While the first pillar (state pension, AHV/AVS) and the second pillar (occupational pension, LPP/BVG) provide a solid foundation, they may not always be sufficient to maintain one’s standard of living. This is where the third pillar comes in, offering flexibility, tax benefits, and additional financial security for individuals and their families.

Why Is the Third Pillar Essential?

✔ Bridging the Pension Gap
The combined benefits of the first and second pillars typically cover only 60–75% of a person’s final salary. The third pillar allows individuals to save voluntarily, ensuring they have enough income in retirement to maintain their desired lifestyle.
✔ Tax Advantages
Contributions to the third pillar (3a) are tax-deductible, reducing taxable income and providing significant savings over time. Additionally, upon withdrawal, preferential tax rates apply, making it an efficient way to save.
✔ Financial Security for the Future
The third pillar isn’t just for retirement—it also offers protection in case of disability or death, ensuring financial stability for policyholders and their dependents. Some third-pillar plans also include investment options, allowing individuals to grow their savings over time.
✔ Flexibility and Individual Control
Unlike the mandatory second pillar, the third pillar allows personalized contributions based on individual goals. Whether choosing a bank savings plan (pillar 3a) or a life insurance-based plan (pillar 3b), individuals have the freedom to tailor their savings strategy.

Who Should Consider the Third Pillar?

Employees who want to supplement their mandatory pension.
Self-employed individuals without an occupational pension.
Expats and foreign residents planning long-term financial security.
Anyone seeking tax benefits and financial independence in retirement.

By investing in the third pillar, individuals in Switzerland can take control of their financial future, ensuring greater stability, security, and peace of mind for themselves and their loved ones.

For expert guidance on choosing the right third-pillar plan, feel free to contact us today!

Why You Should Trust Me as Your Insurance Advisor in Switzerland

Choosing the right insurance advisor is crucial for securing your financial future. With the complexity of Switzerland’s insurance system, you need a trusted, knowledgeable, and dedicated professional who can guide you through the best solutions tailored to your needs. Here’s why you can trust me as your personal insurance advisor:

✔ Expertise in the Swiss Insurance System
Switzerland’s insurance landscape is complex, with multiple regulations and options. With my in-depth knowledge and experience, I ensure that you fully understand your rights, obligations, and the best coverage options available.
✔ Personalized & Tailored Solutions
Every client has unique needs, whether it’s health insurance, pension planning, life insurance, or income protection. I take the time to analyze your situation and provide customized solutions that align with your financial goals and lifestyle.
✔ Transparent & Honest Advice
My approach is based on trust, transparency, and integrity. I believe in providing clear, unbiased advice, helping you make informed decisions without hidden costs or unnecessary policies.
✔ Strong Network & Competitive Offers
I collaborate with leading Swiss insurance providers, allowing me to offer you the best coverage at competitive rates. My goal is to find the most cost-effective and comprehensive solutions for you and your family.
✔ Long-Term Support & Assistance
Insurance is not just about buying a policy—it’s about ensuring long-term protection. I am committed to being your trusted partner, providing ongoing support, assistance with claims, and adjustments to your coverage as your needs evolve.
✔ Multilingual & International Expertise
As an insurance advisor in Switzerland, I understand the needs of both locals and expatriates. Whether you are new to Switzerland or a long-term resident, I can guide you through the best insurance strategies in multiple languages.

Premium Calculator

The premiums for health insurance vary.

You can use the premium calculator to compare the premiums of the health insurance companies. This way you can see which health insurance company is best for you.

You have to provide various information. Enter all the information. You will then receive a comparison of the premiums.

Click here:
https://www.priminfo.admin.ch/de/praemien

Let's Secure Your Future Together

Your financial security and peace of mind are my priorities. Let’s discuss your needs and build a solid insurance plan that protects you, your family, and your business.

Contact me today for a consultation and discover how I can help you achieve the best protection for your future!

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