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As government pension benefits shrink, private savings become all the more important. With our provident insurance, you can build up your savings capital under pillar 3 and protect your loved ones against risk – tailored entirely to your needs.
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3 variants to choose from |
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Savings and risk cover combined |
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Financial security for your loved ones |
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Saving under pillar 3 with tax advantages |
We have three provident insurance variants for you to choose from: Scala, Performa and Flex. So you can simply select the insurance variant that best fits your needs. All three provident insurance variants are combined unit-linked life insurance policies. They include a savings portion and risk cover. Depending on your needs, the focus is either more on saving or more on protection. For example, you can also be insured against death or loss of earning capacity. Our advisors will be happy to help you choose the right provident insurance.
3 variants: savings and individual protection.
Protection and insurance for a variety of different situations.
| Our bestsellers: Provident insurance Scala | Provident insurance Performa | Provident insurance Flex | |
|---|---|---|---|
| Available as a pillar 3a, 3b or combined account | x | x | x |
| Lump sum benefits in the event of death | x | x | |
| Assumption of premiums by Generali in the event of your incapacity to work | optional | x | optional |
| Pension for loss of earning capacity | optional | optional | optional |
| Lump sum benefit for critical illness | |||
| No premium increase guarantee | x | x | x |
Saving under a pillar 3a, 3b or combined account
Protection for your family in case of your death
Individual supplementary benefits
An investment plan to suit every need
Provident insurance Scala
Scala provident insurance is a unit-linked life insurance policy. It combines saving with financial protection for your family in the event of your death. It is suitable for you if you’re the main wage earner and want to provide financial security for your loved ones. At the same time, you can build up savings capital under pillar 3 with tax advantages.
Integrated risk cover
If anything happens to you, your family members will enjoy financial protection thanks to the lump sum death benefit. The amount of this lump sum will be determined by you and will be guaranteed to be paid to your loved ones in the event of your death. You can also adjust the benefits every five years if your situation changes.
Supplementary benefits
Saving under a pillar 3a, 3b or combined account
We save for you if you lose earning capacity
Available throughout the entire term
Stay flexible
Provident insurance Performa
Performa provident insurance focuses on saving. You build up savings capital under pillar 3 and benefit from tax advantages. This insurance is perfect if you want to save for retirement or a major purchase.
Integrated risk cover
If you become ill or have an accident, you’re financially covered in the event of loss of earning capacity: we’ll continue to pay your premium for you. This means you’ll still reach you savings objective even if you’re unable to work.
Supplementary benefits
Saving under a pillar 3a, 3b or combined account
Protection for your family in case of your death
Flexible mix of security and returns
Individual supplementary benefits
Provident insurance Flex
Flex provident insurance is a unit-linked hybrid life insurance policy. It consists of a security and a return credit. You decide how your savings premium is split up into security and return credit. The security credit is comparable with an interest-bearing account, while the return credit is similar to a custody account. You’ll also be able to save under pillar 3 with this insurance and benefit from tax advantages.
Integrated risk cover
If anything happens to you, your family members will enjoy financial protection thanks to the guaranteed death benefit. Your loved ones will receive your entire security and return credit, or at least a guaranteed lump sum death benefit.
Supplementary benefits
Saving integrated in all three variants
Building private savings capital
Pillar 3a, 3b or combined account
You select the investment plan
Potential returns
Your savings capital
Whether you choose Scala, Performa or Flex provident insurance: With all three insurance variants, you decide whether to pay your premiums into a pillar 3a or 3b account, that’s how you build up private savings capital under pillar 3.
The right investment plan for you
You can choose from two different investment approaches: With our sustainable Tomorrow Invest plans, you primarily invest in Swiss companies with a proven commitment to creating a better world. Or you can invest your money in our cost-effective Multi Index strategy fund, which focus on high geographical diversification and cost-effective ETFs.
Scala provident insurance will be suitable for many different people in many different life circumstances. However, it is particularly important for parents, young families and young couples. We recommend that you take out life insurance if, for example, you are the main bread winner and want to optimally protect your family against risks. It’s also an excellent way to save and build up pension capital.
Performa provident insurance is suitable for anyone who wants to save for retirement. It doesn’t matter if you already have a solid career, or are still studying and only have a part-time job. It’s best to start saving as early as possible, to make sure you have built up enough pension capital for your retirement. Savings insurance is also a good idea if you are the main bread winner and you want to provide financial security for loved ones in the event that you experience a loss of earning capacity or disability.
Our Flex provident insurance is suitable for anyone who wants to build up savings while simultaneously providing financial protection for their loved ones with a lump sum death benefit. We recommend this insurance to young families and young couples in particular. It helps them stay flexible as they save, while also providing a guarantee.
The age at entry and final age applies to women and men:
Age at entry:
Final age:
When taking out this insurance, you will be able to choose from a range of different insurance plans to match your specific investment goals and preferences.
Tomorrow Invest: Tomorrow Invest plans come in two different versions: Tomorrow Invest 50 and Tomorrow Invest 100.
Multi Index: Multi Index investment plans come with a range of options: the investment plans Multi Index 25, 50, 75 and 100, and the Opportunity investment plan.
We will be happy to help you choose the right investment plan for you.
Unit-linked combined life insurance is insurance that contains both a savings portion and risk insurance. So for example, you are insured against the risks of death or loss of earnings capacity while simultaneously saving in pillar 3a or 3b. Our life insurance is exactly this type of combined life insurance.
If you would prefer to insure against risk without a savings portion, you can choose from two risk insurances – death benefits insurance and income protection insurance.
You can take out pillar 3a or 3b life insurance. This allows you to build up savings capital and profit from tax advantages.
This depends on whether you’re taking out death benefits insurance as part of a pillar 3a or 3b account. If as part of pillar 3b, you can name anyone you like. This could be a cohabiting partner or even an organisation.
Under pillar 3a, the beneficiaries are limited by law. There are statutory requirements that you have to comply with. The persons are beneficiaries in the order below:
Yes, that is possible and depends on whether you’re taking out your insurance as part of a pillar 3a or 3b account:
Pillar 3a
Pillar 3b
Pillar 3a taxes (qualified provident insurance)
The total amount is taxed separately from any other income and is subject to a special tax rate. The cantons can set their own rules for the applicable tax rate. Please contact your local tax authority for details.
If you live outside of Switzerland or are about to move away, withholding tax will be deducted directly from the surrender value at a rate between 6% and 9%, usually.
Pillar 3b taxes (free provident insurance)
Free provident insurance is not taxable if you disclose the potential surrender value of the policy on your tax return each year.
You can pay your premiums monthly, quarterly, six-monthly or annually. You can easily and conveniently do so via direct debit, for example. Finance the premiums via an interest-bearing premium deposit account and benefit from attractive interest rates.
More information on payment options can be found here.
You have the right to cancel your provident insurance regardless of the agreed duration. In the event of cancellation, we will liquidate your contract and pay out the surrender value.
Our expert advisors will help you to find the perfect insurance coverage in every phase of life. If you have a specific question about an insurance policy, we will answer it quickly and expertly.
If you would like a better understanding of your overall situation, we will work with you to analyse your needs and goals. We will recommend the right solutions for your insurance coverage and your financial security.
The advice is free of charge, with no strings attached. You choose the time and place.
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