Insurance Options
Our offer for you
Insurance Options
Our offer for you
What we can offer you
These are the general conditions that we are offering within our different grade options. To get a more detailed insight on what these numbers can mean for you individually, please check out our Payroll Calculator!
| Grade 1 | Grade 4 | Grade 9 | |
| Insured Salary | coordinated BVG annual salary part-time considered |
coordinated BVG annual salary part-time not considered |
total annual gross salary |
| Disability Coverage | |||
| Disability Pension | 40% of the insured annual salary | 40% of the insured annual salary | 60% of the insured annual salary |
| Child’s Pension | 8% of the insured annual salary | 8% of the insured annual salary | 15% of the insured annual salary |
| Coverage Death | |||
| Spouse’s Pension | 24% of the insured annual salary | 24% of the insured annual salary | 40% of the insured annual salary |
| Orphan’s Pension | 8% of the insured annual salary | 8% of the insured annual salary | 15% of the insured annual salary |
| Additional lump sum on death | none | none | 200% of the insured annual salary |
| Grade 1 | Grade 4 | Grade 9 | |||
| Insured Salary | coordinated BVG annual salary part-time considered |
total annual gross salary | total annual gross salary | ||
| Contribution Age group |
employee | employer | employee | employer | employer |
| 20 – 24 years | 0% | 0% | 0% | 0% | 0% |
| 25 – 30 years | 3.5% | 3.5% | 3% | 3% | 6% |
| 31 – 35 years | 3.5% | 3.5% | 10% | 10% | 20% |
| 35 – 44 years | 5% | 5% | 10% | 10% | 20% |
| 45 – 54 years | 7.5% | 7.5% | 10% | 10% | 20% |
| 55 – 64/65 years | 9% | 9% | 10% | 10% | 20% |
| Grade 1 | Grade 4 | Grade 9 | |
| Insured Salary | total annual gross salary | total annual gross salary | total annual gross salary |
| Waiting Period | 3 days, wage paid by the employer | 3 days, wage paid by the employer | 3 days, wage paid by the employer |
| Salary Coverage | 80% | 80% | 90% |
| Hospital Care | standard | standard | private, incl. consequences of previous 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 per case | 2 days per case | 2 days per case |
| Salary Coverage | 80% | 80% | 90% |
| Insurance Period | 720 days | 720 days | 720 days |
| Birth Benefit | 80% for 14 weeks | 80% for 14 weeks | 90% for 16 weeks |
