Having your own pension fund or your own foundation remains a demanding option today, generally reserved for large companies. For the majority of employers, the solution consists of affiliating with a standard collective foundation and delegating all decisions. Between these two models, there is however an alternative that remains largely unknown: the individualised occupational pension scheme.
Absence management is a significant concern for HR managers. While extended medical leave is naturally monitored closely, short and repeated absences actually represent a real warning sign. Although these absences may seem minor, they often reflect organisational dysfunctions, lack of motivation or unhappiness in teams.
Rising absenteeism has become a major HR challenge for companies. Absences, especially short-term ones, add up and generate significant direct costs, but also lasting organisational and human impacts. To be truly efficient, an absence management policy cannot be limited to just administrative monitoring or ad hoc measures; it has to be one part of a structured approach that combines prevention, steering and support.
In Switzerland, preparing for retirement doesn’t mean just waiting for the last day of work. It is a true lifelong project that is built over time and requires making informed choices: annuity or capital, early or partial retirement, pension buy-in and tax optimisation.
Discover all the key figures relating to insurance and pension
Since 1st January 2025, there have been significant changes in the rules for reimbursement under supplementary health insurance policies in Switzerland, in particular for semi-private and private hospitalisation.
It is in the interests of companies to evaluate the work climate regularly in order to assess its real impact on their performance. By integrating appropriate survey tools, they will be able to identify strong points and areas for improvement, while fostering a culture of care and engagement. In this way, surveys become a real strategic lever to enhance employer branding. An explanation from Lucas Roveda, Training Consultant at Ismat Group.
Personal pension planning and life insurance are much more than an investment: they are a safety blanket for your family and assets and, if you are an entrepreneur, they ensure the continuity of your business. Here we look at the benefits of some of the different solutions available.
Floods in the canton of Vaud, gale-force winds in the Neuchâtel mountains, a hailstorm in the Valais countryside, and record-breaking heat across the country; Switzerland has experienced extreme weather events that are increasingly severe and frequent, to the extent that insurance capacity for damages caused by natural disasters has become an area of concern.
What if insuring your business became child’s play, and taking out an insurance policy was just a matter of a few clicks? Utopia? Not at all. The dream becomes reality with a framework agreement. Here’s how: