Full insurance. Risk-free employee benefits.

You conclude a contract of association with the Helvetia Group Foundation. Security has top priority, which is why all the risks – retirement, death and disability – are insured with Helvetia Swiss Life Insurance Ltd. The associated companies as well as the insured persons' retirement savings and their pensions are completely secure – in both good times and bad.

The Helvetia Group Foundation offers basic pension cover that matches compulsory occupational benefits. It provides benefits in the event of death, disability or on reaching retirement age for the insured person and/or their dependants. The companies are free to enhance these benefits as desired under the same contract. Helvetia's full insurance solution for basic occupational benefit cover offers far more than the minimum standards prescribed by law:

• No limitations on spouse's pensions, as is the case with the LOB
• Partner's pensions for cohabiting couples
• Restitution of contributions: If the insured person dies, Helvetia pays out the accrued retirement savings as a lump sum death benefit. This applies in cases where no pension has to be paid for a surviving spouse, registered partner or partner.
  

No two companies are alike, and occupational benefits solutions have to be tailored to a company's specific requirements. You can adapt your full insurance contract as desired to meet the needs of your company and your employees. The benefit plans have been designed accordingly.