The pension fund insurances are deducted from a pension fund, which is usually a foundation. Before choosing your pension fund it is important to compare various quotes. You decide on the savings as well as the amount of pension you receive in case of invalidity.

These are included in the premiums of the pension fund insurance:

  • savings for old age
  • risk for invalidity
  • administrative Costs
The pension funds offer various risk insurances.


The compulsory insurance only covers salaries up to CHF 84’600 (2018). Amounts above this limit are often insured voluntarily.

It is worthwhile to compare various offers, especially with regard to the savings that can be made, the element of risk, how the administration of the insurance companies functions etc.