Customer portal FAQ

A profile in the customer portal gives you access to your insurance documents and your master data. You can look at your policies, contract details, bills and claims reports.

You may change your contact data and payment details directly in the portal.

Further information is available at Customer portal information

You can change, delete and add e-mail addresses directly in the "Profile" section of the customer portal. To do so, go to "Personal data", click "Profile" and scroll to "E-mail addresses".

You can change your phone numbers directly in the "Profile" section of the customer portal. To do so, go to "Personal data", click "Profile" and scroll to "Phone numbers".

You can change your payment details directly under your profile in the customer portal. To do so, click on "Profile" in the user menu and scroll to the "Payment details" section.

Your direct contact person will be happy to assist you in updating your insurance coverage as needed. The contact details can also be found on the portal.

Please contact the customer portal hotline on +41 58 280 20 20. Our staff will be happy to help you.

The insurance certificate contains a lot of valuable information about your benefit coverage. Explanations of the individual details can be found here.

Make sure that the information you entered is correct and complete. If the problem persists, please contact the customer portal hotline on +41 58 280 20 20. Our staff will be happy to help you.

If you have forgotten your password, you can reset it using the "Password forgotten" button. An SMS containing a code will be sent to your mobile phone number. As soon as you have correctly entered this code on the appropriate page, you can set your new password.

In order to log in, you need your e-mail address, your password and the access code (SMS code). The access code will be sent by SMS to your registered mobile phone number. When entering your password, please remember to distinguish between upper and lower case.

If you are still using your old mobile phone number, there is no need to update the information on the customer portal. But if you have a new mobile phone number, you will have to replace the old number with the new one under "Profile" in the customer portal. If you no longer have access to the old mobile phone number and so cannot log in, please contact our customer portal hotline on +41 58 280 20 20.

If you still have access to the old mobile phone number, you will be able to replace this number with the new one under "Profile" in the customer portal.

If you no longer have access to the old mobile phone number and so cannot log in, please contact our customer portal hotline on +41 58 280 20 20.

Click on the link "Resend code". If you still did not receive the SMS code, please contact our customer portal hotline on +41 58 280 20 20.

Make sure that the e-mail code wasn't blocked by your anti-spam filter or that you didn't provide the wrong e-mail address. You can have the e-mail code resent to you by clicking on the link "Resend code". If the problem persists, please contact our customer portal hotline on +41 58 280 20 20.

Please contact the customer portal hotline on +41 58 280 20 20. Our staff will be happy to help you.

You can revoke the consent you provided when registering for the customer portal at any time with effect for the future by informing Helvetia. Either by telephone on +41 58 280 10 00 or by contact form.

The registration in the customer portal requires a cell phone. The procedure is called two-factor authentication (3FA), because it requires not only a user name (e-mail) and password, but an SMS code as well. As this one-time code is sent through a separate channel, and is only valid one time for a limited time, security is increased.

The account can be deleted in the customer portal under "Profile". In the "Delete account" section, click on the link "Delete my Helvetia account". You will receive an SMS containing a code so that you can confirm the deletion. When this code has been correctly entered, the account will be permanently deleted with immediate effect.

There are two ways to use promotion of home ownership incentives: premature withdrawal and pledging. In a premature withdrawal, the pension savings (so-called «termination benefit») are partially or completely withdrawn in cash and used as a down payment. The prematurely withdrawn amount is transferred directly to the seller or to the mortgage provider. In a pledge, the pledgee is assigned a security interest in the pension savings.

Further information on the promotion of home ownership 

Premature withdrawals and pledges can be used to purchase or build residential property. This can be done as a sole owner, in joint ownership or in joint ownership with your spouse or registered partner. Premature withdrawals and pledges can also be used to repay mortgage loans, purchase shares in a cooperative housing association and make value-adding investments in your current home.

Further information on the promotion of home

The withdrawn money may only be used for residential property for your own use. «For own use» means that the insured person uses the residential property at their domicile or usual place of residence. The money cannot be used to finance holiday homes or second homes.

Further information on the promotion of home ownership

It doesn't matter if your domicile is in Switzerland or abroad, as long as the residential property is for your own use and is not a holiday or second home.

Further information on the promotion of home ownership

You can withdraw the full amount of your current termination benefit up to the age of 50. After you turn 50, you can withdraw half of the current termination benefit or an amount equal to your termination benefit at the age of 50, which ever is higher.

Further information on the promotion of home ownership

You can assign to the pledgee the following security interests in the occupational benefit scheme: pension benefits in old age, in case of disability or death. You can pledge the full amount of your current termination benefit until you are 50. After you turn 50, you can pledge half of the current termination benefit or an amount equal to your termination benefit at the age of 50, which ever is higher.

Further information on the promotion of home ownership

Your premature withdrawal must be at least CHF 20,000. However, this minimum amount does not apply if the premature withdrawal is from a vested benefits policy or if the premature withdrawal is used to acquire equity participations.

Further information on the promotion of home ownership

There is no minimum amount defined for pledging.

Further information on the promotion of home ownership

If you are married or in a registered partnership, your partner will have to consent to the premature withdrawal or pledge in writing.

Further information on the promotion of home ownership

You can apply for a premature withdrawal every five years but no later than three years before your retirement. If you have made additional voluntary purchases of pension fund benefits, you may prematurely withdraw the corresponding amount after three years at the earliest.

Further information on the promotion of home ownership

The last time you can pledge your pension assets is three years prior to your retirement.

Further information on the promotion of home ownership

You must submit an application before you can pledge or withdraw assets prematurely. The form for ordering documents required to apply for early withdrawal or pledging of occupational benefit scheme funds is available here. Our advisors will be happy to assist you.

Early retirement means that you retire before the «ordinary retirement age». The ordinary retirement age is defined in the pension fund regulations for your pension fund and is normally the same as the ordinary OASI retirement age (men: 65 years, women: 64 years).

Further information on early retirement

Under the occupational benefit scheme (2nd pillar), you can retire early once you reach 58. The earliest you can start drawing the OASI retirement pension (1st pillar) is two years before the ordinary retirement age. You will still have an obligation to pay OASI contributions until you reach the ordinary retirement age.

Further information on early retirement

If you take early retirement, your retirement benefit from the occupational benefit scheme (2nd pillar) will be lower than if you had retired at the ordinary retirement age. This is partly due to the shorter savings period, and partly due to the lower conversion rate applied in this case to reflect the presumably longer payout period.

The earliest you can start drawing the OASI retirement pension (1st pillar) is two years before the ordinary retirement age. If you take early retirement and prematurely withdraw your OASI retirement pension, this pension will be reduced in accordance with the law. In addition, you will still be under the obligation to pay contributions until the ordinary retirement age is reached.

Further information on early retirement

You can make voluntary deposits to address a pension shortfall relating to an early retirement where allowed under the pension fund regulations.

Further information on early retirement

You must notify us before making deposits to reduce a pension shortfall in the occupational benefit scheme. The necessary form is here available Our advisors will be happy to assist you.

The pension fund regulations specify the amounts that can be deposited.

Further information on early retirement

The maximum deposit is calculated based on the specified retirement date. If you made deposits based on a certain retirement age, but then decide not to retire at that age, the total benefits according to regulations must not exceed the benefits at the ordinary retirement age by more than five percent. Any funds accumulated above and beyond that limit will belong to the pension fund.

Further information on early retirement

Voluntary deposits can be quite attractive from a tax perspective as the deposits can be deducted from taxable income. It is the responsibility of the insured persons to claim deposits as a deduction on their taxes. Whether or not, deposits are actually deductible is determined by the competent tax authorities. The employee benefit institution cannot accept any responsibility in this regard.

Further information on pension fund buy-ins

Shortfalls in occupational benefit coverage may result from pay increases or missing contribution years (e.g. in case of stays abroad, career breaks, pregnancy or joining the employee benefit institution after the age of 25). Voluntary pension fund buy-ins can eliminate these shortfalls.

Further information on pension fund buy-ins

You can make voluntary purchases to increase your accrued retirement assets up to the maximum possible old-age savings in compliance with statutory and regulatory provisions. The pension fund regulations contain a table with the maximum possible old-age savings and the relevant provisions.

Further information on pension fund buy-ins

You must complete and submit an application to us before you can purchase pension fund benefits. You can find the form here. Our advisors will be happy to assist you.

Further information on pension fund buy-ins

Depending on your benefit plan, you can also make voluntary purchases to offset shortfalls in your risk benefits. The risk premium may change due to the change in benefits.

Further information on pension fund buy-ins