Your vested benefits foundation for all stages of life
 

Insurance cover abroad

Optimal for seconded persons, employed persons with a local employment contract and people not gainfully employed

Aside from an agreement with the European Community (EU/EFTA) and its member states, Switzerland also has signed numerous social insurance agreements with other countries – so-called signatory states.

These agreements on social security are based on the principle of coverage at the place of work. This means that on principle every person, with the exception of seconded employees, is covered by the social insurance laws of the state in whose territory he or she works.


The following groups of persons can benefit from insurance cover:

Gainfully employed persons with secondment status:

  • working in the EU/EFTA states
  • working in signatory states (excluding EU/EFTA)
  • working in non-signatory states

Gainfully employed persons with a local employment contract

  • working in the EU/EFTA states
    Note: Insurance covers a maximum of five years of disability pension
  • working in signatory states (excluding EU/EFTA)
  • working in non-signatory states

Persons not gainfully employed

  • living abroad
    Note: Insurance covers a maximum of two years of disability pension

The conditions for insurance are:

  • A minimum of CHF 100,000 in pension assets
  • Disability pension
    - Seconded gainfully employed persons retain their compulsory AHV/IV insurance


Independent can offer you the following insurance benefits:

Disability pension

Lump sum payable at death

Maximum 30% of vested benefit capital,
max. CHF 300'000 p.a.

Maximum 300% of vested benefit capital,
max. CHF 5 million

  • Insurance for the disability pensions and lump sums payable at death can be taken out individually or in combination
  • All insurance benefits include sickness and accident cover
  • 24-month waiting period for disability pension and 3 months exemption from premiums


The financing of the risk premium is regulated as follows:

  • Offset against pension assets
  • Risk premium is billed

Are you interested in our offering?
Independent will be happy to prepare a personal offer for you or contact us for personal advice.

Independent
Vested benefits foundation
Herrengasse 14
CH-6430 Schwyz
Phone +41 41 819 60 73
Fax +41 41 819 60 69
info(at)independent-foundation.ch
www.independent-foundation.ch
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