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Insured persons

Employees who earn an annual salary of more than CHF 21'150 (entry threshold 2015) are subject to compulsory employee benefits insurance. From 1 January of the year following the 17th birthday they must be insured for the risks of death and disability, and from 1 January of the year following the 24th birthday they must also start saving towards their retirement. If the insured has worked for an employer for less than one year, the annual salary is deemed to be the salary which the insured would have received if he/she had worked for an entire year.

Employees of temporary employment companies:

If the annual salary is more than the BVG entry threshold, employees with a permanent employment contract must be insured for employee benefits from the beginning of the employment relationship. If a fixed-term contract is extended past three months, the employee must be enrolled with the employee benefits insurance from the date on which the contract was extended. If the employee works for the same employer for several consecutive periods of employment or is deployed to work for the same company several times without an interruption of more than three months, the employee must be insured from the beginning of the fourth month of working; however, if it is agreed from the first day of work that the employment relationship or deployment will exceed three months in total, the employee must be insured from the beginning of the employment relationship.

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