Baloise employees

The pension certificate provides you with information about your occupational benefits (pension fund). It includes details of the contributions that you and your employer pay into the pension fund each year. You can see how much you have already saved and roughly what payments you can expect to receive in old age. When it comes to the exact calculation of the benefits due to you, the Pension Fund Regulations together with the Fund Regulations are authoritative and legally binding. You will receive both from your employer.

You can access your documents at any time via our customer portal. The portal also allows you to make a number of individual calculations to help you plan your pension yourself. Register for free on myBaloise.

You can find them here: Occupational pension documents -> Legal documents

As an insured person, you are legally obliged to pay all available funds into your current pension fund. This is in your interest, as it is the only way to ensure that all the amounts you have paid in can be taken into account in the event of a claim or when you take retirement. As a rule, your previous employer’s pension fund will ask you to provide details of your new pension fund. The pension assets you have accrued will then be transferred directly. Please remember that this also applies to assets that you have deposited with a vested benefits institution (vested benefits account with a bank or vested benefits policy with an insurance company).

Your spouse or life partner and children are insured through your pension fund contributions, even after your death. The exact provisions can be found in the Pension Fund Regulations and Fund Regulations. You can obtain these from your employer or contact our customer service team. You will find your contact person on your pension certificate. Please remember to notify us in writing if you have a life partnership.

You are also insured through your pension fund contributions in the event of disability. In conjunction with the OASI/DI, the aim is to enable you to maintain a reasonable standard of living even if you are no longer able to earn income from employment. The exact provisions can be found in the Pension Fund Regulations and Fund Regulations. You can obtain these from your employer or contact our customer service team. You will find your contact person on your pension certificate.

The insurance provided by the pension fund will be suspended for the duration of your unpaid leave or other unpaid absence, as you are not receiving a salary. To ensure comprehensive cover, you can continue your insurance in Pillar 2 in consultation with your employer, either only for the risk aspects or in full, including contributions to your retirement savings.

You can withdraw or pledge all or part of your saved capital to purchase your own home. The minimum amount for such an advance withdrawal is CHF 20,000. If you are over 50, there are also certain restrictions on the amount. If applicable, your spouse or life partner must give their written consent. Detailed tips and advice can be found in the following document:

Important: Please remember that any payout from Pillar 2 affects your future benefits (in the event of retirement, disability and death). Find out how you can provide financial security for your family, for example with whole life insurance.

In Pillar 3, you can insure additional benefits to optimise your pension situation to suit your individual needs. We offer you various options for this, which also affect your tax situation in different ways.

Do you have available capital that you would like to use to improve your pension situation in the pension fund? Your pension certificate will show your maximum purchase amount under the heading Additional Information. You can pay your own money into your pension fund up to this amount. Please note that the resulting benefits cannot be withdrawn in the form of a lump sum for a period of three years.