Pension fund
Profond
8 %interest on pension assets in 2024
Savings contribution3.5–20 % by grade
Risk & administration0.60–1.8 % by grade
Age-dependentNo
Insured salaryUp to the full salary
Insurance and BVG options
Insurance packages Grade 1, 4 and 9 compared.
From the statutory minimum (Grade 1) to comprehensive cover with a 20 % BVG (occupational pension) savings contribution, fully funded by the employer (Grade 9). Always included: Profond pension fund, accident insurance with SUVA, daily sickness benefits and supplementary accident insurance with Zurich Insurance – employer-funded.
Insurance partners
Who you are insured with.
Three partners, always the same – whether Grade 1, 4 or 9. The employer pays the premiums for the pension fund and daily sickness benefits.
100 % employer
Accident insurance
SUVA
100 %of salary insured – even above the UVG maximum
Occupational accidentInsured
Non-occupational accidentInsured
UVG maximum salaryCHF 148'200
Salary above thatExcess cover
Daily sickness benefits & supplementary accident
Zurich Insurance
80 %of salary in case of illness – Grade 9: 90 %
Waiting period2 days
Durationup to 720 days
Maternity80–90 % of salary
Private insuranceDiscount for employees
Compare all benefits of the Grade 1, 4 and 9 packages Born 1961–1966: 6.8 % conversion rate in 2026 Profond regularly comes top in the pension fund comparisons by Tages-Anzeiger and FuW.
Insurance and BVG options
Three packages. Because not everyone has the same needs.
From the statutory minimum (Grade 1) to comprehensive cover with a 20 % BVG (occupational pension) savings contribution, fully funded by the employer (Grade 9). Always included: Profond pension fund, accident insurance with SUVA, daily sickness benefits and supplementary accident insurance with Zurich Insurance – employer-funded.
Pension fund – savings contribution (Profond) Employee / employer, in % of insured salary | Grade 1 | Grade 4 | Grade 9 |
|---|---|---|---|
| Insured salary | Coordinated BVG annual salary, part-time taken into account | Total annual gross salary | Total annual gross salary |
| 20–24 years | 0 % | 0 % | 0 % |
| 25–30 years | 3.5 % / 3.5 % | 3 % / 3 % | 0 % / 6 % |
| 31–34 years | 3.5 % / 3.5 % | 10 % / 10 % | 0 % / 20 % |
| 35–44 years | 5 % / 5 % | 10 % / 10 % | 0 % / 20 % |
| 45–54 years | 7.5 % / 7.5 % | 10 % / 10 % | 0 % / 20 % |
| 55–65 years | 9 % / 9 % | 10 % / 10 % | 0 % / 20 % |
Pension fund – risk insurance (Profond) Benefits in % of insured annual salary | Grade 1 | Grade 4 | Grade 9 |
|---|---|---|---|
| Insured salary | Coordinated BVG annual salary, part-time taken into account | Coordinated BVG annual salary, part-time not taken into account | Total annual gross salary |
| Disability pension | 40 % | 40 % | 60 % |
| Child's pension | 8 % | 8 % | 15 % |
| Spouse's pension | 24 % | 24 % | 40 % |
| Orphan's pension | 8 % | 8 % | 15 % |
| Lump sum on death | none | none | 200 % |
Accident insurance (SUVA, supplementary cover with Zurich) Occupational and non-occupational accidents | Grade 1 | Grade 4 | Grade 9 |
|---|---|---|---|
| Insured salary | Total annual gross salary | Total annual gross salary | Total annual gross salary |
| Waiting period | 2 days, salary paid by the employer | 2 days, salary paid by the employer | 2 days, salary paid by the employer |
| Salary cover | 80 % | 80 % | 90 % |
| Hospital care | Standard | Standard | Private |
Daily sickness benefits (Zurich, 100 % paid by the employer) Continued salary payment during illness | Grade 1 | Grade 4 | Grade 9 |
|---|---|---|---|
| Insured salary | Total annual gross salary | Total annual gross salary | Total annual gross salary |
| Waiting period (unpaid) | 2 days per case | 2 days per case | 2 days per case |
| Salary cover | 80 % | 80 % | 90 % |
| Benefit period | 720 days | 720 days | 720 days |
| Maternity benefit | 80 % for 14 weeks | 80 % for 14 weeks | 90 % for 16 weeks |
2025: mandatorily insured salary at 100 % a maximum of CHF 90'720 per year, coordination deduction CHF 26'460 – maximum coordinated salary CHF 64'260 per year or CHF 5'355 per month. BVG risk premium and administration costs regardless of age: 0.60 % per side (Grade 1), 0.90 % per side (Grade 4), 1.8 % employer-only on the full gross salary (Grade 9). Zurich grants all employees discounts on private insurance.
Further reading