Using our pension solutions, plan now for your personal projects :
Pillar 3
Pension or capital
Old age pension
Assessment of individual pension provisions
Read moreAn Overview of Disability Insurance Reform

Preventing invalidity and strengthening rehabilitation: these are the objectives pursued by the reform aimed at the "strengthening of disability insurance". The main target of this revision is to improve the monitoring of children, young people and people affected by mental health issues.
Introduction of a proportional system for benefits
Beneficiaries with a disability rate between 40 and 69% are going to receive benefits based on a proportional principle (linear system), in place of the current 4-level system. Benefits will still paid in full from an invalidity degree of 70%. The aim is to encourage invalidity insurance recipients to remain employed as long as possible.

Refund of expenses for rare diseases
The list of congenital disabilities is being updated as well as that for drugs covered by disability insurance. Conditions which can be easily treated are covered by health insurance, while new, rare diseases are covered by disability insurance.
More transparency with respect to expert reports
Both the insurer and the insured will have to agree on the appointment of an officer and meetings are going to be recorded.
Improved support
Disability insurance intends to increase its support to children affected by congenital disabilities and their families. Young people, as well as people affected by mental health issues, will receive more help in order to encourage their professional (re)integration.
Improving the collaboration between disability insurance, doctors and employers
In particular by supporting the people concerned in their professional rehabilitation.
Find out more: https://www.ahv-iv.ch/p/42.f
Our associated services
Choosing my insurance of persons
Our health insurance products adapted to all your professional and family needs at the best prices.
Read moreOur news
Taking stock of our attitude to work
08.03.2023
Employees’ attitude to work has undergone deep transformation over the last decade. This evolution was therefore already in place well before the health crisis and it is forcing those working in Human Resources to adapt to the new paradigm.
Read more Accident prevention and insurance
06.12.2022
In Switzerland, 6% of the working population fall victim to a workplace accident every year. This is a heavy burden for businesses, both at a human and economic level. Prevention and management are at the heart of the fight against workplace accidents. As is having insurance with adequate cover.
Read more Key figures 2023
11.11.2022
Discover the key figures for pension and social insurance in 2023.
Read more Financial planning: organising your pension makes all the difference
06.09.2022
At a time when the Confederation is trying to launch a new reform of the 2nd pillar, business managers are looking for the most efficient solutions to make their assets grow and plan their retirement as well as that of their employees.
Read more