Overview of our pension and asset solutions
Which solution is right for you?
Smart retirement planning and tax savings
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Dritte Säule bei einer von zwei führenden Schweizer Institutionen (BEKB oder Liberty Vorsorge AG)
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Grosse Auswahl von Strategien mit oder ohne Nachhaltigkeit
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Flexible Lösungen je nach Alter und Lebenssituation
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Teilweise sehr günstige Verwaltungskosten je nach Wahl des Anbieters und der Strategie
Vermögen aufbauen und gleichzeitig vorsorgen.
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Kombination aus Vermögensaufbau und Risikoschutz
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Steuerlich privilegierte Säule 3a
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Sparanteil wird in einen Fonds investiert (Wahl aus 10 Fonds; klassisch oder nachhaltig)
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Vollständige Kostentransparenz und faire Kosten
Maintain your independence with clearly structured pension provision and support.
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Einzigartige Kombination aus Vorsorgelösung und Betreuungsleistungen
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Sie bleiben finanziell flexibel
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Vorzugstarife auch nach Ausschöpfung des Sparkapitals
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Angespartes Kapital auch zur Deckung anderer Bedürfnisse
Financially secure in the event of invalidity and well provided for in the event of death.
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Lücken bei der beruflichen Vorsorge schliessen
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Summen für Invalidität und Todesfall frei wählbar
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Freie Wahl der Begünstigten ausserhalb der Erbfolge
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Leistungen werden unabhängig von anderen Versicherungen ausbezahlt
Protects you against financial shortfalls in the event of accidents, prolonged illness or maternity.
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Taggeldhöhe passend zu Einkommen und Bedarf frei wählbar
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Rasche Auszahlung der Taggelder
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Wartefristen frei wählbar
Your advantages at a glance
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Save on taxes and make provisions for old age with a 3a account
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Find solutions for your family’s financial security and make provisions for your retirement
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Build up assets and ensure security
We will gladly take time to give you a completely non-binding explanation of the various options’ advantages.
Useful services for you
If you have opted for Visana’s support and pension solution, various services are available to you at a special rate.
If you wish to authorise a trusted person to manage your Visana insurance for you, a corresponding letter of authority enables them to do so. They can then, for example, obtain information, make payments, request changes to your contract or collect your post – all on your behalf.
You can download the form here. After completing it, send it to this address:
Visana Services AG
Hauptsitz
Weltpoststrasse 19
3000 Bern 16
Frequently asked questions about pensions and assets
The three pillars provide the basis for retirement provision in Switzerland. They are designed to ensure a financially secure retirement and to help maintain your accustomed standard of living as far as possible.
The first pillar is state retirement provision. It is financed jointly through mandatory contributions by employees and employers. OASI/AHV benefits are generally received after reaching the retirement age.
The second pillar is occupational retirement provision. Employees and employers pay contributions into pension funds. Pensions are paid out after retirement.
The third pillar is private retirement provision. This involves voluntary saving for old-age, either on ordinary bank accounts or on special pillar 3a accounts. The money paid into a pillar 3a account is eligible for tax relief, although it cannot be accessed until five years prior to retirement.
In contrast to pillar 3a (restricted pension provision), pillar 3b is an unrestricted form of pension provision. This means that, whereas you can only withdraw your pillar 3a retirement savings less than five years before retirement, there is greater flexibility under pillar 3b. You can use pillar 3b to pursue short-term savings goals. However, you only receive tax benefits under pillar 3a.
With this innovative model offered by Visana, you can withdraw the savings accumulated in your pillar 3 account to access discounted support services after reaching the OASI/AHV retirement age. To do so, you must have opened a pillar 3a pension account via Visana with Berner Kantonalbank BEKB.
This is a top-up insurance that you can use to insure your salary. These allowances protect you against the financial consequences of being unable to work, for example due to accident, illness or maternity.
With lump-sum insurance, you ensure financial cover for yourself and your loved ones by specifying an amount that will be paid out in the event of invalidity or death. It is good to know that optimal cover is in place should anything go wrong.
Downloads
Fact sheets
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