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Exklusiv für Start-ups

BVG, UVG and KTG combined into one:
Swiss Life Business Direct

Swiss Life Business Direct is a web-based employee benefits solution, developed with start-ups for start-ups. In just 20 minutes you can fully insure yourself and your employees: for occupational provisions (BVG), mandatory accident insurance (UVG), and short-term disability benefit insurance (KTG). You can manage your occupational benefits easily online – no unnecessary paperwork!
The employee benefits package for start-ups

More about the package for start-ups

Basics of the BVG
Occupational provisions – also known as the 2nd pillar – form one of the three pillars of the pension system in Switzerland. The second pillar guarantees a secure retirement pension and protection in the event of disability or death, and supplements the AHV (old age and surviving dependants) benefits provided under the 1st pillar. The two pillars combined are designed to maintain the accustomed standard of living.

Whether you have to contribute to a pension fund for your employees depends on their salary and age. 2nd pillar contributions become mandatory from a specific entry threshold. On 1 January 2013 this entry threshold was set at an annual salary of CHF 21'060.–.

Occupational pension contributions are paid by both employer and employees. The employer is legally required to pay at least half of the contributions.

Contributions consist of:
- savings contributions for retirement
- risk contributions for disability and death
- cost contributions for administration

The minimum occupational benefits are set by law. However, these minimum benefits are often insufficient to maintain a person's accustomed standard of living, particularly post-retirement.

It is therefore advisable to pay slightly higher savings contributions into the 2nd pillar. Higher contributions – together with the effect of compound interest – will result in better retirement benefits and a better standard of living in retirement.
Your options
But what about you? If you registered your company as an AG (public limited company) or GmbH (limited liability company) or if you intend to do so, you are subject to the same obligation to obtain insurance as any other employee. In other words, you are covered just like one of your employees since, from a legal perspective, you draw your salary from the AG or GmbH. So you need to set up a pension solution for yourself in the same way as for your employees.
For all other company types (other than AG and GmbH), you are not subject to mandatory cover under the 2nd pillar. You are only subject to mandatory AHV/IV/EO (old age, disability, lost earnings) contributions – which makes your private pension provision even more important if you want adequate financial security in retirement. At the very least you should consider supplementing your AHV/IV benefits and, if applicable, BVG benefits, with a private 3rd pillar pension solution.
As you can see from the diagram, the AHV/IV (grey) and BVG (orange) together should come to about 60% of the employee's last salary. However, this is often insufficient to maintain the accustomed standard of living. Our recommendation: With Swiss Life Business Direct you can pay slightly higher contributions for correspondingly better benefits.

BVG occupational benefits

As a company owner you need to think about how best to insure your employees and yourself. After all, occupational benefits are mandatory.
Basics of the UVG
All employees working in Switzerland have mandatory accident cover, including teleworkers, apprentices, trainees and people on work experience. Anyone working as an employed person in accordance with the AHV is to be insured. The duty to pay contributions begins on commencement of employment – including apprenticeship – and ends on termination of the employment. In principle, all accidents are covered, regardless of whether they occur at work (occupational accidents BU), during free time (non-occupational accidents NBU) or on the way to and from work.
Benefits under the UVG
Mandatory accident insurance under the UVG (Federal Law on Accident Insurance) covers most of the consequences of an accident. This includes lost earnings, treatment costs and survivors' benefits. It is supplemented by disability insurance benefits. Cover commences on the day employment starts.
The insured salary is a maximum CHF 148 200. Contributions and benefits are based on the insured salary. In the event of full incapacity for work, the daily allowance is 80% of the insured salary, and proportionally less for partial incapacity to work.
One of your employees has an accident. As the employer you are obliged to continue paying their full salary for the first two days. Daily allowance under the UVG is payable from the third day. From the second year of absence due to an accident, the IV and UVG take over salary payments until retirement. Upon retirement, the AHV replaces the IV. The benefits under the UVG are still paid. To ensure your employees can continue to receive 100% of their salary, you can take out UVG supplementary insurance.

UVG mandatory accident insurance

When you set up a start-up, you are obliged to provide accident insurance for your employees. This covers occupational accidents, non-occupational accidents and occupational diseases and provides you and your employees with financial security in the event of an accident.
Basics of the KTG
The legally prescribed obligation to continue the payment of salary stipulates that the employer must continue to pay the full salary for a set period (whatever the length of employment).
Consequences for business owners
If you do not take out short-term disability benefit insurance, you bear this risk yourself as the employer. In other words, you must keep paying the employee's salary for a set period, even though the employee is not actually working for you during that time. You are also liable for the cost of finding and hiring someone to fill in for the absent employee. This is why it makes sense to take out short-term disability benefit insurance for your staff.
Imagine one of your employees becomes incapable of working due to illness. As the employer, you have to keep paying their salary for a set period (light grey). However, if you have taken out short-term disability benefit insurance, the employee will receive 80% of their last salary in the form of short-term disability benefit (for a maximum of 730 days less the contractual waiting period). If IV benefits are payable, the short-term disability benefit insurance coordinates the continuation of salary payments until the benefits run out. If your employee is still unable to work after two years, they will be entitled to BVG as well as IV benefits.

KTG short-term disability benefit insurance

Short-term disability benefit insurance is not mandatory. But, as the founder of a start-up, you are obliged to continue paying the salary of an employee who is absent through sickness. Further costs are also incurred if you employ a temporary replacement.

Tested by the IFJ (Institute for Young Entrepreneurs)

Swiss Life Business Direct has been tested by the IFJ and awarded its seal of quality. Watch this video to see what particularly impressed the IFJ:

For a perfect start
Key info at a glance

Swiss Life Business Direct covers you for all risks such as longevity, disability and death. In addition, you benefit from a 100% capital and interest rate guarantee.
Swiss Life Business Direct is:
  • simple
  • quick
  • intuitive
  • low-cost
The first 100 start-ups receive
CHF 150 on setting up a contract!