Solutions for businesses

Good corporate pension provision protects your employees, secures your responsibility as an employer and strengthens your attractiveness. Finwise helps you choose a compliant, clear solution adapted to your budget.

What is it?

A complete social benefits package for your teams

Occupational pension, accident insurance, sickness salary continuation, executive plans and supplementary cover protect your employees and your responsibility as an employer.

Mandatory?

Occupational pension and accident insurance according to thresholds

Accident insurance is mandatory for employees. Occupational pension applies from CHF 22,680 of annual salary subject to OASI with the same employer.

Objective

Compliance, budget and HR attractiveness

A good solution avoids gaps, makes costs predictable and enhances the company's value for employees.

Company pension diagram

The employer structures Occupational pension, risks and possibly above-mandatory benefits.

  1. HR Above-mandatory Competitive edge
  2. Risks Disability / death Staff cover
  3. Obligation Occupational pension plan Fund and regulations
  4. Base Headcount and salaries Who must be enrolled

Compliance, HR cost and clarity for teams.

Pension provision, a strategic topic for employers

En Suisse, l’employeur doit gérer plusieurs couvertures de personnes : prévoyance professionnelle Occupational pension, assurance-accidents Accident insurance, maintien du salaire en cas de maladie et, selon les besoins, couvertures complémentaires pour cadres, dirigeants et collaborateurs clés.

The legal minimum provides protection, but it does not always meet the real needs of an SME. A well-built plan reduces gaps, limits unexpected costs in case of long absence, disability or death, and becomes a concrete HR argument.

Cover
2026 rule
What the employer must check
Occupational pension2nd pillar
Mandatory from CHF 22,680 of annual salary; coordination deduction CHF 26,460; mandatory ceiling CHF 90,720.
Affiliation, minimum 50% employer share, part-time staff, bonuses and salaries above the ceiling.
Accident insuranceAccidents
Mandatory from the first day; non-occupational accidents from 8 h/week; insured salary up to CHF 148,200.
Salary declaration, part-time employees, high salaries and need for supplementary accident insurance.
Sickness daily allowanceSalary loss
Not always mandatory at federal level, but often provided by contract, collective labour agreement or HR policy.
Waiting period, benefit duration, coordination with the salary continuation obligation.

A corporate solution is built in layers

Legal obligations + Useful supplements + HR policy = Coherent protection

The question is not only paying a premium: you need to know who is covered, on which salary, for how long and with which exclusions.

Occupational pension obligations in 2026

Any employer with at least one employee subject to occupational pension must affiliate with a pension institution. Death-disability risk cover starts on 1 January following the 17th birthday; retirement savings start on 1 January following the 24th birthday.

Mandatory occupational pension covers salary up to CHF 90,720, after a coordination deduction of CHF 26,460. High salaries, bonuses, managers and part-time employees can therefore present significant gaps if the regulations are not adapted.

Go beyond the legal minimum

Occupational pension leaves real room for design. You can reduce or remove the coordination deduction, insure high salaries, increase the employer share, strengthen death-disability benefits or create a specific plan for executives and managers.

These choices have a direct impact on recruitment and retention. For the same salary, better pension provision can represent several thousand francs of annual benefit visible on the employee's pension certificate.

Common pitfalls

Mistakes are rarely visible when signing. They appear during a claim, long absence or administrative audit.

Poorly covered part-time employeesThe coordination deduction can significantly reduce the insured salary.
Capped high salariesWithout supplementary pension benefits, an important part of income is not covered.
Forgotten supplementary accident insuranceThe accident insurance ceiling of CHF 148,200 leaves a gap for executives.
Sickness daily allowance too short or absentA long illness can create an employer burden that is difficult to absorb.

Change or audit an existing solution

An audit compares certificates, regulations, employer-employee costs, claims history, termination deadlines and impacts on net salaries. Before changing fund or insurer, entries/exits, reserves, acceptance conditions and employee communication must also be secured.

Full insurance or semi-autonomous solution?

Full insurance offers more security: the insurer carries death, disability, longevity and investment risks according to the chosen model. It often suits companies that want predictable charges and little risk of underfunding.

A semi-autonomous solution can offer better return prospects, but is more exposed to market fluctuations and possible restructuring measures. The choice depends on your risk tolerance, age structure, payroll and HR policy.

Creation or first employee

Il faut mettre en place AVS, Accident insurance, Occupational pension si le seuil est atteint, et décider rapidement si une perte salaire maladie collective est nécessaire.

Growing SME

Workforce growth makes absences, entries/exits and differences between employees more sensitive. The solution must keep pace with growth.

Executives and managers

Bonuses, high salaries and key responsibilities often require supplementary pension benefits, supplementary accident insurance and sometimes reinforced death-disability protection.

With Finwise

We make your corporate pension provision clear and manageable

We audit your current solution, compare pension funds and insurers, quantify the employer-employee impact and coordinate occupational pension, accident insurance, sickness salary continuation and supplementary plans to avoid both gaps and overlaps.

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Complete your employer protection

These pages detail the covers that generally make up a coherent corporate solution.

Company occupational pension Sickness salary continuation Accident insurance Self-employed solutions

Audit my corporate pension provision View company occupational pension View sickness salary continuation

Let’s talk about your needs

Tell us about your situation in a few lines. A Finwise adviser will contact you to clarify your options and compare suitable solutions.