Pension Plans

The three‐pillar system 
1st pillar 
State pensions
Responsibility of the  government 
AVH
(Old‐Age and Survivors  insurance) 
DI
(Disability insurance) 
EL
(Supplementary benefits) 
2nd pillar  Occupational benefits  insurance 
Responsibility of the 
employer
Mandatory benefits 
BVG/UVG 
3rd pillar 
Private pensions
Responsibility of the  individual
Tied pension 
(pillar 3a) 
Flexible pension 
(pillar 3b) 
Mandatory 
Voluntary 
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Aiming to bring tailored risk management and insurance solutions targeted to your company needs: whether you are a large or small company, international or national organisation or a private client.

Useful Links

AUTHORITIES

Federal Administration of Switzerland: www.admin.ch

Federal Office of Social Insurance: www.bsv.admin.ch
Swiss Financial Market Supervisory Authority (FINMA): www.finma.ch
List of members of the Swiss Insurance Association (ASA/SVV): www.svv.ch

NATIONAL AND INTERNATIONAL CONTACTS

Altafid, trust company in Neuchâtel: www.altafid.ch
The Global Center for specialist insurance and reinsurance: www.lloyds.com

Our Offices

GENEVA (Headquarters)

58, Rue du Grand-Pré
1202 Genève
Tel:- +41 22 544 11 11

NEUCHÂTEL

7, Av. Jean-Jacques Rousseau
1201 Neuchâtel

Tel:- +41 32 722 17 17

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