Yes. All of our partners have undertaken to comply with the SVA Guidelines* (Safeguarding Vulnerable Adults) to ensure protection, security and dignity during old age.

* Developed with e&e – entwicklung & evaluation, based on source documents from the Elder Mediation International Network, EMIN

You can deduct contributions paid into a pillar 3a account from your taxable income up to a certain maximum figure. This applies to both employees and self-employed persons.

This term refers to a former pillar 3a account from which you can withdraw money. Strictly speaking, it is not possible to simply withdraw money from a pillar 3a account, as it is tied for retirement purposes.

It is possible to choose from three BEKB investment strategies with a 20%, 40% or 60% equity component, as well as a pure pillar 3a/3b savings account without any equity component. The investment strategies differ in terms of your risk appetite, the equity component and the sustainability aspect.

Yes, the necessary support services can also be paid for using other savings. A third pillar account must be opened with BEKB in order to benefit from the discounted price. If this credit balance has been used up, funds from accounts held at other banks can also be used. You still receive the services at the discounted price.

The support services required can be paid for out of other savings.

No. A BEKB pillar 3a account must be opened in order to benefit from V⁠i⁠s⁠a⁠n⁠a’s support and pension solution.

Each provider manages different aspects of the customer relationship: BEKB deals with all banking issues relating to a pillar 3a account, while V⁠i⁠s⁠a⁠n⁠a covers all insurance-related issues. The bank does not receive any data from V⁠i⁠s⁠a⁠n⁠a and vice versa.

Any person who fulfils the conditions for opening a pillar 3a/3b pension account and has duly opened an account with our partner bank can obtain insurance.

The insurance is terminated if there is no longer any insurance relationship for a pension solution between the insured person and V⁠i⁠s⁠a⁠n⁠a Versicherungen AG. Proof must be furnished in writing.

After a one-year period of uninterrupted insurance cover, the customer can terminate the contract ordinarily at the end of a calendar year with three months’ prior notice.

The insured person must submit tax certificates for the last ten years. Upon the occurrence of the event, V⁠i⁠s⁠a⁠n⁠a requires the customer to present an up-to-date account statement. This enables V⁠i⁠s⁠a⁠n⁠a to calculate the average savings contribution paid in.
 

No. A pension solution (3a/3b) has to be set up with BEKB in order to obtain a savings contribution guarantee.

Benefits under the savings contribution guarantee are determined according to the average savings contribution paid over the last ten years.

Entitlement to benefits arises in the event of invalidity that qualifies for payment of a federal invalidity insurance (IV) pension. Entitlement arises at the same time as entitlement to an IV pension.

The amount of the benefits depends on the degree of invalidity determined by the IV authority. If the degree of invalidity is 70% or more, the insured person will be entitled to the full insured benefits; if it is less than 40%, there will be no entitlement to insured benefits. If the degree of invalidity is at least 40% but less than 70%, the insured person will be entitled to half the insured benefits. If the relevant degree of invalidity changes, the insurance benefit is also adjusted.

Entitlement to insurance benefits will cease when the insured person is no longer unable to earn an income, but at the latest at the end of the last month in which the insured person receives IV benefits.

• Throughout Switzerland, except the canton of Jura: Spitex for city and countryside
• Throughout Switzerland, except Upper Valais, Ticino and Upper Engadin: Home Instead
• Ticino and the Italian-speaking part of the canton of Graubünden: Gentilcure

Services can be provided by the companies recognised by V⁠i⁠s⁠a⁠n⁠a. V⁠i⁠s⁠a⁠n⁠a can update the annex at any time.

The customer submits a booking enquiry to one of the service providers indicated above.

The service provider has to ask whether the customer has taken out emergency support with V⁠i⁠s⁠a⁠n⁠a.

The services V⁠i⁠s⁠a⁠n⁠a provides supplement those provided by social insurance schemes. For domestic assistance, services provided under this insurance product take precedence over those from other insurance policies. The top-up insurance only has an obligation to pay benefits once emergency support obligations have been exhausted. Emergency support benefits will not be offset against the scope of services provided under top-up insurance.

Benefits will only be provided if incapacity to work exceeds 70% and there is a resulting, medically documented impairment of ability to perform, or total inability to perform, routine and/or household tasks.

Cover under this insurance contract will begin after the customer’s health check, with effect from the date given in our confirmation of insurance cover issued to the customer.

Insurance will cease when the insured person reaches regular OASI/AHV retirement age. You can continue the insurance until the age of 70 at the latest. Corresponding proof of gainful employment must be provided annually, otherwise the insurance will be cancelled.

An emergency is a medically documented restriction on ability to perform, or total inability to perform, routine and/or household tasks.

The medical certificate must record, and provide medical justification for, the indication and the tasks that cannot be performed.

Food / cooking, eating and drinking at home:

• Meal service / meal provision: For patients who are sufficiently independent and do not have children at home who also need to be fed. The cost of the food will not be covered.
• Cooking / preparing meals in the insured person’s home: For patients who require assistance and/or have children at home who also need to be fed. The cost of the food will not be covered.
• Setting and clearing the table
• Assisting with eating and drinking

Everyday home help / domestic assistance at home:

• Loading and emptying the dishwasher / washing and putting away dishes
• Shopping planning / writing a shopping list, including menu planning for medically prescribed diets or dietary restrictions
• Putting shopping away, including checking the fridge and food stocks for perishable items
• Changing bedding and remaking the bed
• Washing, drying and putting away personal laundry and bedding for family members living in the household
• Routine and weekly cleaning of all interior spaces
• Watering houseplants
• Assistance with routine actions

Childcare and related organisational tasks:

• Providing care for children and organising children’s routine activities as instructed by the insured person; collecting and dropping off children if needed

Childcare will be provided for four weeks up to a maximum cost of CHF 1,500 (excluding meals).

The official rates charged by the recognised service providers for emergencies will apply. V⁠i⁠s⁠a⁠n⁠a will pay a maximum of CHF 5,000 in benefits from its list of emergency services per calendar year (not per case). The childcare services included in these benefits will be restricted to CHF 1,500 (excluding meals) and four weeks per calendar year.

The service provider issues a bill to the customer. The insured person submits this to V⁠i⁠s⁠a⁠n⁠a for reimbursement.

A V⁠i⁠s⁠a⁠n⁠a support and pension solution (pillar 3a/3b) gives the customer the additional benefit, at no extra premium, of being able to access benefits from V⁠i⁠s⁠a⁠n⁠a’s range of support services (service catalogue) at preferential rates.

All customers who have set up a support and pension solution (3a/3b) with V⁠i⁠s⁠a⁠n⁠a.

As soon as the customer has converted their pillar 3a/3b pension account into a pillar 3b withdrawal account, they will be able to book discounted services from the service catalogue within the V⁠i⁠s⁠a⁠n⁠a support and pension solution. If the balance of the V⁠i⁠s⁠a⁠n⁠a 3b withdrawal account is used up, the customer can still purchase services via the V⁠i⁠s⁠a⁠n⁠a booking tool at the same discounted rates.

V⁠i⁠s⁠a⁠n⁠a provides a platform from which you can send booking requests to service providers recognised by V⁠i⁠s⁠a⁠n⁠a Versicherungen AG. A list of these service providers can be obtained from V⁠i⁠s⁠a⁠n⁠a.

The services on offer include a broad spectrum of benefits not covered under HIA/KVG that are particularly needed and requested by elderly people living in their own home.

The customer will receive a minimum discount of 2% on the hourly rate normally charged by the provider for the listed services.