Check it out - BVG and KTG

Reduce costs with check for BVG and KTG insurance solution

Rising health insurance premiums, falling conversion rates in the 2nd pillar and the recently adopted 13th AHV pension are reducing the freely available funds of both Businesses and Individuals. Rising expenses are forcing Businesses to identify their cost-cutting potential in various areas. SMEs can clarify the following questions in the area of occupational benefits and daily sickness benefits:

  • Is the Businesses affiliated with the right employee benefits institution?
  • How are the pension fund benefits designed?
  • What are the benefits of the group daily sickness benefits insurance (KTG)?
  • Are the premiums reasonable?
  • When looking at many businesses and a wide range of industries, it is noticeable that occupational pension solutions (BVG) are not up to date and are expensive. The KTG reveals major price differences and, in some cases, insurance solutions that do not comply with the CEC. In a quick check, the pension experts answer questions from Businesses about their insurance situation in the areas of BVG and KTG based on the BVG affiliation contract, the BVG cost/benefit directory and the KTG contract.

    The brief check carried out by Gewerbe-Treuhand provides Businesses with information on any cost savings or benefit enhancements to their BVG and KTG insurance solution. Businesses receive feedback promptly after submitting the documents, including recommendations for action. The pension experts are available to answer any questions at vorsorge@gewerbe-treuhand.ch.

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    Michèle Vogel
    Senior Consultant Private and Occupational Provision, Financial Planning Advisory, Payroll and Personnel Administration
    Swiss Certified Social Insurance Expert