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our Network Partner in Switzerland

Baloise

The Baloise Group is an internationally active general insurer in all branches of insurance. The group concentrates its activities within the European market for personal lines business, small and middle-sized companies and also for multinational enterprises. The group offers high-quality products in all categories of life and non-life business.

On May 2, 1863 five local businessmen founded the Baloise Insurance Company Limited for fire property damage. One year later, 1864, Baloise Transport and Baloise Life Insurance Company Limited followed, of which the latter transferred, in 1958, the accident business to the newly established Baloise Accident. Although those companies were legally independent a wide range of insurance coverage could already be offered by that time under the name of "Baloise". 1962 the Baloise Holding as Parent Company was formed and - as a logical step - 1971 a merger of the non life-companies to Baloise Insurance Company Limited was carried out. As the Baloise Life could not be included in the merger for legal reasons, the Baloise Life Insurance Company Limited operates as a subsidiary company.

Today the Baloise-Holding owns many subsidiaries and is a stockholder of companies at home and abroad. For 40 years now Baloise has been the Swiss exclusive member of Insurope, a leading international network of life insurers. Their activities have resulted in the fact that Baloise insures employee benefit plans of Swiss subsidiaries of many multinational companies and is known for it's supreme expertise and service standards.

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local language

Please refer to the Bâloise website -

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market trend

Please refer to the Bâloise website -

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typical benefit plan

Employee Benefit Plan in CH / Comparison with the law
Benefits
Plan by law
Insured Salary:
Salary between CHF 19,890 and CHF 400,000 minus coordination deduction of
CHF 23,205
Salary between CHF 19,890 and CHF 79,560 minus coordination deduction of CHF 23,205
Retirement:
retirement pension - age assets financed with age credits
 
7
10
15
18
 
% of insured salary
 
25-34
35-44
45-54
55-64/65
 
7
10
15
18
 
% of insured salary
men
25-34
35-44
45-54
55-64/65
Disability:
 
 
disability pension
(sickness)
60 % of insured salary
(waiting period 24 months)
6,8 % of projected age assets without interest (waiting period 12 months)
waiver of premium payment
(sickness and accident)
waiting period 3 months
-.-
children's disability allowance
12 % of insured salary
(waiting period 24 months)
20 % of the insured disability pension (waiting period 12 months)
Death (before retirement):
 
spouses pension
36 % of insured salary
60 % of the insured disability pension
orphans pension
12 % of insured salary
20 % of the insured disability pension
Death (after retirement):
 
spouses pension
60 % of insured salary
60 % of the insured disability pension
orphans pension
20 % of insured salary
20 % of the insured disability pension
 
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news

Swiss Federal law on Occupational Retirement, Survivors' and Disability Pension Plans (BVG): ( file - 262 Kb)

This document contains :-

  • Changes in 2003
  • Interview with Philippe Limat, chairman of Collective Foundation
  • Explanation of key terms of the Swiss BVG law
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visit the Baloise website
Aeschengraben 21
4002 Basle
Switzerland
Local Contact:
Gerhard Parisot
+41 61 285 8274
gerhard.parisot@baloise.ch
www.baloise.ch
Insurope Local Website
 ch.insurope.com
Use this link to access a local country specific site on Insurope from a local market perspective. It may be helpful to refer this site to local subsidiaries and advisers as it also covers the mechanics of multinational pooling from a local perspective in the local language.