Old-age and survivors' insurance (AHV), disability insurance (IV), unemployment insurance (ALV) and compensation for loss of earnings (EO)

All employees who meet the legal requirements are obliged to take out old-age and survivors' insurance (AHV). Survivors' Insurance (AHV), Disability Insurance
(Disability Insurance - IV), Unemployment Insurance (unemployment insurance - ALV) and an income replacement scheme (EO).

They are set by law as an annual percentage and are deducted monthly from employees' wages.

Health insurance

According to the law, all employees must personally insure themselves against the consequences of illness. All insurance matters are settled directly between the employees and the insurance company. 

Collective sickness insurance

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Accident and occupational disease insurance

It is obligatory for employees to be insured against occupational accidents (BU) and occupational diseases (BU). And non-occupational accidents (NBU).

Employees who work less than eight hours per week are excluded. They are not insured against non-occupational accidents. 

Only the "Rotkreuz" site has taken out supplementary collective insurance as a supplement to the Accident Insurance Act (UVG), which is obligatory for employees. 

Employee benefits (pension fund)

In accordance with the Swiss Federal Law on Occupational Retirement, Survivors' and Disability Pension Plans (BVG), membership in the Novartis pension plan is mandatory for all associates in Switzerland who meet the legal requirements. A copy of the Pension Regulations is given to each Associate who meets the regulatory requirements together with the employment contract. Financial contributions are deducted monthly from employees' salaries. Please contact our pension fund team directly.  



Our consulting is provided according to objective criteria, based on the information provided by associates. Responsibility for the final decision on whether or not to conclude an insurance agreement lies exclusively with the associates themselves.