The precaution in Switzerland is based on three columns, the so-called "“three-column system"”. The representation of the takes place in practice differently, especially can concerning the opinions under the 2. Diverge to column to mentioning insurance. In the Federal Constitution kind 111 is mentioned when using the expression"”"… three columns"… "“for one of the columns only the "“vocational precaution"” (pension fund). However all insurance becomes multiple in connection with the professional activity (mandatory and freiwillige) as 2 during the representation of a comprehensive three-column system. Column marks, respectable represented

• First column: The whole population is mandatorily insured: Age and leaving insurance (AHV), invalidity insurance (IV), auxiliary achievements (EL) to the AHV and IV
• Second column: Insurance consisting for the employed population, of:
  • Achievements of the mandatory vocational ones precaution pension fund called)
  • Achievements from the over-mandatory vocational one precaution (installation of freiwilligen Zusatzleistungen in the vocational precaution)
  • Achievements of the mandatory accident insurance
  • Achievements from the additional insurance for mandatory accident insurance, organized voluntarily by the employer
  • Achievements from the patient day money insurance organized voluntarily by the employer
  • Achievements out in accordance with the acquisition spare order (EO) with unemployment and maternity
• Third column: With private precaution is the freiwillige, individual insurance of achievements in addition of the 1. and 2. Column meant.

To the tasks to the social security also prevention and rehablitation belong apart from the insurance benefits in the closer sense.

1. Column

The 1. Column covers the existence safety device of the whole population within the following ranges:

• Precaution at the age
• Loss of earnings because of disablement
• Death of the servicer: In particular survivor achievements

The AHV finances itself after the allocation procedure: The taken contributions are used immediately for the financing of the pensions.

In the broader sense one knows the mandatory health insurance likewise to the 1. Column count, since therein the whole population is insured due to accident or illness mandatorily for healing costs (as exception, are there healing costs can exclude the employed accident in accident for them over the mandatory accident insurance covered).

2. Column

In the broader sense can do the whole 2. Column "“vocational precaution"” to be called, since all employed persons are insured here. Strictly speaking however a subrange of the 2 becomes under "“vocational precaution"”. Column understood (see below).

The achievements of the 2. The achievements of the AHV/IV. supplement column at the age, with disablement and with the death of the servicer.

Vocational precaution

Vocational precaution is named that part of the second column, which the 1. Column within the ranges age precaution and consequences of illness-conditioned disablement and death supplements. It is offered by pension funds, insurance and autonomous collecting donations. In the colloquial language the "“vocational precaution"” also pension fund is therefore called. With the vocational precaution partially competition prevails. The employer can select from different offerers themselves. Larger enterprises as well as the administration have usually their own pension fund. All employees of an enterprise with an annual gross income of more than CHF 19 ' 350,00 are mandatorily in the pension fund of the employer insured.

See also: Transformation set

Acquisition spare order

The acquisition spare order partly covers the loss of earnings due to military or civil defense employments. Since 1 July 2005 there are achievements from the cash of the acquisition spare order also with maternity for mothers, who interrupt or give their gainful employment up because of the maternity.

Accident insurance

The mandatory accident insurance carries the main load of the consequences in accident (loss of earnings short and on a long-term basis, healing costs, leaving achievements). It becomes by achievements the 1. Column (invalidity insurance) supplements. Many industries (among other things construction industry) must lock the accident insurance with the halfnational Swiss institute for accident insurance SUVA. With other industries the employers between different insurance companies can select. Between the different offerers there are no achievement differences, since the achievements are legally defined. The premiums are to at the end of of 2006 after industry regulated (community statistics, on it based recommendation of the association of underwriters with national benediction), premium clearance existed only in the context of the administrative expense set taken into consideration in the premium, which was lowered with large contracts regularly around several per cent points. Starting from 2007 the association of underwriters may deliver no more recommendations; to then-particularly it is open each insurance company to rely on own statistics and use own tariffs. Employed persons and children do not have to let themselves be insured for healing costs as consequence of accident mandatorily with the health insurance company.

Patient day money insurance

With illness-conditioned inability to work the patient day money insurance which can be locked voluntarily by the employers pays the Lohnersatz, mostly during two years to achievements from the IV (1. Column) and the pension fund, i.e. the vocational precaution, (2. Column) use.

3. Column

With the 3. Column insurance gaps become from the 1. and 2. Column reduces or closed. Such gaps exist in particular with the Aeuffnung from age capital to financing of the third period of life and with disablement and survivor achievements in the medical case.

The third column is voluntary and serves to maintain together with the first and second column, the used standard of living with inability to work or retirement. There are bank solutions and insurance solutions, private bank savings accounts also among the third column is ranked. With both solutions money for the age precaution is saved (capital covering procedures). Contrary to the insurance solution disablement and the death risk are not covered during the bank solution. With the third column between two kinds of the precaution one differentiates: The bound and free precaution.

Column 3a: Bound precaution

The column 3a differs from the column 3b from the fact that the installation-paid money is bound to a contract (e.g. bank austerity plan, life insurance) with certain running time and is for taxation removable contributions. Frequent the following kinds of precaution are to be found with the column 3a, whereby also various variants can exist and differ the achievements and contributions depending upon Vetragspartner substantially:

• Endowment insurance (old-age pension): With reaching the contractually specified age a sum or a pension is paid off.
• Todesfallrisikoversicherung: With the death of the insurant the remaining receive a fixed amount.
• Mixed insurance: If the fixed age is reached, one receives a pension, dies the insurant before, then the survivors receive a fixed amount.
• Acquisition loss insurance: If the insurant suffers an acquisition loss because of illness or accident, then he receives specified amounts by this insurance.

There is give three insurance, which is partly voluntary for independently acquiring at least. Employees are insured by their employer:

• Unemployment insurance: If the insurant becomes unemployed, then him this insurance pays usually 70-80% of the wages earned last out, depending upon insurance varies the height and duration of the payments.
• Accident insurance: If the insurant becomes unemployed due to an accident, then this insurance replaces a part of its wages earned last to him.
• Health insurance: Each inhabitant must let itself be insured with a health insurance company against illness (mandatory basic insurance). There are however various additional insurances, the extended achievements offers (alternative welfare methods, dental treatment etc.).

Column 3b: Free precaution

To the column 3b belong kinds of precaution, which are not bound to a contract with certain running time, i.e. the insurant be disbursed practically at any time to let themselves or dissolve can. In addition above all bank savings accounts belong. The contributions to the column 3b are not for taxation favoured.

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• Pension & age precaution in Switzerland

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