Personal insurance for your company One-stop pension and insurance solutions

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1 Personal insurance for your company One-stop pension and insurance solutions

2 Personal insurance with comprehensive protection You bear the responsibility for your company and your employees. And you have us. Baloise offers optimum insurance for the financial consequences of accidents and illness as well as a broad range of solutions for retirement provision. This covers your employees fully in the event of incapacity to work or disability and makes them secure in their retirement. The cost of treatment required following an accident is also reimbursed. Survivors are provided for financially in the event of death. Working closely with you, our advisor will find the ideal pension and insurance solution tailored to your particular business needs. Our advisors are familiar with the different aspects of the Swiss social welfare system and will prepare an offer for you with an optimally balanced range of benefits. Baloise offers you the following advantages: Professional and personal advice under one roof Individual comprehensive solutions for insurance and pensions A complete «personal insurance» package at a favorable premium Precisely coordinated benefits without over- or underinsurance Expert advice on prevention and support in implementing the appropriate measures End-to-end support in the event of a claim (case management) Baloise offers advantageous insurance solutions and guides you as a strong and experienced partner. Through our comprehensive personal insurance offers, we can provide you with the best possible protection for your company and your employees. Our solutions are tailored to your needs and are cost-effective and transparent. You can take our word for it! We make your pension fund safer. For example with: Exceptional financial strength and stability Quick and simple online solutions Professional advice from your pension fund manager Daily sickness allowance insurance Accident insurance Occupational welfare schemes You can find further helpful tips under:

3 Collective life with individual benefits Baloise advocates the three-pillar concept with strong occupational benefits. For more than 75 years, Baloise has been a successful and reliable partner for its clients. We offer a wide range of compelling insurance solutions for the various possible pension models. With your input, the advisor will analyze your company s particular requirements and put together an attractive pension package. The comprehensive insurance solution is the most favorable welfare model, particularly for small and medium-sized enterprises. We offer exceptional benefits and conditions in relation to basic and supplementary benefit plans. These all-round pension plans provide you with exactly the insurance cover and guarantees that are important to you as an employer and to your employees. Basic provision covers the statutory requirements for old age, survivor and disability benefits as a minimum, and can be extended as required. Supplementary benefit plans offer a additional modules to the basic provision for groups of individuals with additional pension needs. Baloise s product range also covers insurance solutions for semiautonomous pension schemes, in addition to pension solutions under the comprehensive coverage model. Supplementary benefit plans Modular addition to the basic provision for a selected group of individuals (e. g. executives) with additional requirements Basic provision Basic package as required by law or more extensive pension plans for all employees, as required Benefits required by law Benefits required by law Benefits required by law Retirement benefits Disability benefits Survivors benefits

4 Collective daily sickness allowance with optimum coordination As a business owner, you are obliged to continue paying wages and salaries to sick employees for a certain period of time. This may entail substantial financial consequences, particularly for long absences and serious illnesses. In the absence of adequate insurance cover, employees affected are usually faced with considerable financial shortfalls before payments from occupational welfare schemes or Swiss federal disability insurance are received. The tried-and-tested Baloise collective daily sickness allowance solution enables you to comply with employment contract law and safeguard your company from a potentially heavy financial burden. In this way you, as a business owner, can guarantee that you will meet your legal obligation to continue the payment of wages without deficiencies or duplication. What s more, this is possible regardless of the years of service or the calculation scales that vary between cantons. Since it is not possible to calculate how long loss-of-earnings payments have to be made and, therefore, the total amount, this may have a substantial impact on your business. Collective daily sickness allowance insurance Our one-stop personal insurance offers you an optimal coordination of salary replacement benefits. 100%_ 90%_ Daily sickness allowance insurance causes a deferral of the waiting period for a disability pension in the occupational welfare scheme to 24 months. 80%_ 70%_ 60%_ 50%_ 40%_ 30%_ 20%_ 10%_ Employer s continued payment of wages Daily sickness allowance insurance Occupational welfare scheme Supplement Occupational welfare scheme Basis Benefits provided by Swiss federal disability insurance (generally after 365 days) _ Waiting period 30 days (freely selectable) 365 days 730 days

5 Compulsory accident insurance with a personal plus Decide on optimal protection for your employees following accidents and occupational illnesses. Baloise offers both the compulsory cover required under the Swiss Federal Law on Accident Insurance (UVG), and the voluntary supplementary insurance compliant with the UVG. Speak with our advisor and discover just how individual collective insurance can be, and how much potential for optimization can be revealed to you through professional advice. The Swiss Federal Law on Accident Insurance (UVG) requires companies to insure all employees against the consequences of accidents and occupational illnesses. As a private insurer, Baloise can offer full insurance cover in line with statutory requirements to employees who do not require insurance with the Federal Accident Insurance Institution (Suva). As an individual extension to compulsory accident insurance, Baloise can also offer attractive UVG-compliant supplementary insurance, which can be tailored precisely to the needs of your company and your employees. Daily hospital allowance Daily allowance Lump-sum disability benefit Lump-sum death benefit Medical expenses and reimbursements of costs (private or semi-private) LAI maximum salary Daily allowance 1 st and 2 nd day Daily allowance from 3 rd day Disability pension Survivors pension Medical expenses and reimbursements of costs Allowance for physical or mental impairment Shortfall cover Care allowance UVG supplementary insurance Compulsory accident insurance (UVG)

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8 Baloise Safety World Making you safer. Baloise Insurance Ltd Baloise Life Ltd Aeschengraben 21, P.O. Box CH-4002 Basel Customer service (24h) Fax e

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