“Taking out insurance protects you financially while ensuring the long-term future of your business.”
Request advice
Do you have questions that are specific to your activity as a self-employed person or entrepreneur, or that are in connection with a business project?
Our advisers can help you find the best solution for your needs.
By email
Use our online form to ask to be contacted by an insurance specialist.
By phone
0800 803 777
(freephone number)
Our advisers can help and advise you Monday to Friday, from 8.00 to 12.00 and 13.30 to 17.00.
Frequently asked questions
Your overall situation remains unchanged, but you must:
- Inform your loss of income insurer directly about your incapacity for work (it is no longer your employer’s responsibility).
- Inform the insurer of any change in your personal circ*mstances (unemployment, new employer, disability, change of address, of income, etc.).
You must notify us immediately of your departure from the company (within 90 days of leaving the circle of insured persons) and specify that you wish to be offered a free transfer to individual insurance. If you accept this offer, you will continue to enjoy insurance coverage under the same conditions as when you were employed by the company. You will be responsible for paying the premium associated with the policy.
Pursuant to Swiss Federal Law (Article 5b LFLP/FZG), the insured person may demand payment in cash of their termination benefits when they become self-employed, and when they are therefore no longer obliged to be insured through the LPP/BVG scheme.
The person must:
-supply to their pension institution the documentary evidence of them starting self-employment (renting of premises, purchase of equipment, certificate from the AVS (old-age and survivors pension insurance scheme), registration in the trade register, etc.)
- request the payout of their benefits during the year following the start of their self-employed activity as their main activity
The following document(s) should be enclosed with your request, depending on your civil status:
- if you are single, a recent civil status certificate
- if you are divorced, a recent civil status certificate and a copy of the divorce judgment
- if you are married, the officially legalised signature of your spouse (municipality, notary, Groupe Mutuel branch)
