Our offer for you
Insurance Options
These are the general conditions that we are offering within our different grade options. To get a more detailed insight on what these numbers can mean for you individually, please check out our Payroll Calculator!
Grade 1 |
Grade 4 |
Grade 9 |
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Pension Fund – Risk Insurance (Profond) |
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Insured Salary |
coordinated BVG annual salary part-time considered |
coordinated BVG annual salary part-time not considered |
total annual gross salary | |||
Disability Coverage |
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Disability Pension |
40% of the insured annual salary | 40% of the insured annual salary | 60% of the insured annual salary | |||
Child’s Pension |
8% of the insured annual salary | 8% of the insured annual salary | 15% of the insured annual salary | |||
Coverage Death |
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Spouse’s Pension |
24% of the insured annual salary | 24% of the insured annual salary | 40% of the insured annual salary | |||
Orphan’s Pension |
8% of the insured annual salary | 8% of the insured annual salary | 15% of the insured annual salary | |||
Additional lump sum on death |
none | none | 200% of the insured annual salary | |||
Pension Fund – Savings Contribution |
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Insured Salary |
coordinated BVG annual salary part-time considered |
total annual gross salary | total annualgross salary | |||
| Contribution ages 20 – 24 years |
0% employee | 0% employer |
0% employee | 0% employer |
0% employer |
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| Contribution ages 25 – 30 years |
3.5% employee | 3.5% employer | 3% employee | 3% employer |
6% employer |
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| Contribution ages 31 – 35 years |
3.5% employee | 3.5% employer | 10% employee | 10% employer | 20% employer | |
| Contribution ages 35 – 44 years |
5% employee | 5% employer |
10% employee | 10% employer | 20% employer | |
| Contribution ages 45 – 54 years |
7.5% employee | 7.5% employer | 10% employee | 10% employer | 20% employer | |
| Contribution ages 55 – 64/65 years |
9% employee | 9% employer |
10% employee | 10% employer | 20% employer | |
Accident Insurance (Basic via SUVA, UVGZ Additional Insurance and Excess Wage via Zürich Insurance) |
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Insured Salary |
total annual gross salary | total annual gross salary | total annual gross salary | |||
Waiting Period |
3 days, wage paid by the employer | 3 days, wage paid by the employer | 3 days, wage paid by the employer | |||
Salary Coverage |
80% | 80% | 90% | |||
Hospital Care |
standard via SUVA | standard | private, incl. consequences of previous accidents | |||
Sick Pay Insurance (Zürich Insurance) |
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Insured Salary |
total annual gross salary | total annual gross salary | total annual gross salary | |||
Waiting Period |
2 days per case | 2 days per case | 2 days per case | |||
Salary Coverage |
80% | 80% | 90% | |||
Insurance Period |
720 days | 720 days | 720 days | |||
Birth Benefit |
80% for 14 weeks | 80% for 14 week | 90% for 16 weeks | |||