Voluntary affiliation of individuals


You have the option to conclude voluntary insurance with the Substitute Occupational Benefit Institution. Depending on your personal situation, please choose from the following pension plans, the one who suits best your individual situation.

Next steps


You are self-employed and you would like to conclude voluntary insurance from the Substitute Occupational Benefit Institution.

As a self-employed individual, you can take out insurance from the Substitute Occupational Benefit Institution under the SE plan. The contributions and benefits under the SE plan are based on the general regulations and the SE pension plan.

 In order to join the SE plan, please send us the following documents:

You work for multiple employers and you would like to conclude voluntary insurance from the Substitute Occupational Benefit Institution.

You can obtain voluntary insurance under the MA pension plan in the following cases:

  • You work for multiple employers and your annual salary subject to AHV is greater than the BVG minimum salary (currently CHF 21,330)
  • You work part-time and are self-employed in your main occupation

The contributions and benefits under the MA plan are based on the general regulations and the MA pension plan. 

In order to join the MA plan, please send us the following documents:

Your claim for unemployment daily allowances will expire, and you will no longer have mandatory occupational benefit insurance for unemployed persons.You have now the possibility to conclude voluntary insurance with the Substitute Occupational Benefit Institution. 

In the pension plan WR, you may conclude voluntary insurance against the risks of disability and death, if your claim for daily allowances from the unemployment insurance has expired (and therefore you are no longer covered by a mandatory occupational benefit plan for unemployed persons).The contributions and benefits under the WO plan are based on the general regulations and the WO pension plan.

In order to join the WR plan, please send us the following documents:

The Substitute Occupational Benefit Institution LOB must receive the application documents no later than three months after you leave mandatory occupational pension scheme.

You leave the mandatory occupational pension scheme from your previous pension fund by 31 December 2019 and you would like to continue your savings insurance with the Substitute Occupational Benefit Institution.

If you leave the mandatory insurance from your previous pension fund by 31 December 2019, you can continue to be insured voluntarily by the Substitute Occupational Benefit Institution. With the WO19 plan you only continue your savings insurance (no insurance of risk benefits): The contributions and benefits under the WO plan are based on the general regulations and the WO pension plan.

In order to join the WO19 plan, please send us the following documents:

The Substitute Occupational Benefit Institution must receive the application documents no later than three months after you leave mandatory occupational pension scheme.

You leave the mandatory insurance from your previous pension fund by 31 December 2019 and you would like to continue your entire occupational pension plan with the Substitute Occupational Benefit Institution.

 If you leave the mandatory insurance from your previous pension fund by 31 December 2019, you can continue to be insured voluntarily by the Substitute Occupational Benefit Institution. With the WG19 plan you can continue your complete occupational pension scheme (savings insurance and insurance of risk benefits): The contributions and benefits under the WG plan are based on the general regulations and the WG pension plan.

In order to join the WG19 plan, please send us the following documents:

The Substitute Occupational Benefit Institution must receive the application documents no later than three months after you leave mandatory insurance.

You leave the mandatory occupational pension scheme from your previous pension from 1 January 2020 and you would like to continue your savings insurance with the Substitute Occupational Benefit Institution.

If you leave the mandatory insurance from your previous pension fund from 1 January 2020, you can continue to be insured voluntarily by the Substitute Occupational Benefit Institution. With the WO20 plan you only continue your savings insurance (no insurance of risk benefits). 

In this case, you need to complete the registration for the WO20 Plan. The contributions and benefits under the WO20 plan are based on the general regulations and the WO20 pension plan.

The Substitute Occupational Benefit Institution must receive your completed and signed registration, along with the required documents, no later than three months after you leave your previous pension fund.

You leave the mandatory occupational pension scheme from your previous pension fund from 1 January 2020 and you would like to continue your entire occupational pension plan with the Substitute Occupational Benefit Institution.

If you leave the mandatory insurance from your previous pension fund from 1 January 2020, you can continue to be insured voluntarily by the Substitute Occupational Benefit Institution. With the WG20 plan you can continue your entire insurance (savings insurance and insurance of risk benefits). 

In this case, you need to complete the registration for the WG20 plan. The contributions and benefits under the WG20 plan are based on the general regulations and the WG20 pension plan.

The Substitute Occupational Benefit Institution must receive your completed and signed registration, along with the required documents, no later than three months after you leave your previous pension fund.

Your employer has a registered office outside of the EU/EFTA and does not have any operational sites in Switzerland (ANobAG).

You can conclude voluntary insurance with us for occupational pension provision in the SE plan for the amount of statutory benefits.

You may also do the following:

  • Insure benefits for the income components between the BVG maximum salary and the UVG maximum salary
  • Include the risk of accident in your insurance in case of disability and death

In this case, please enclose the following documents:

Links


Regulations

You can find an overview of our regulations here.

Contact


Stiftung Auffangeinrichtung BVG
Zweigstelle Deutschschweiz
8050 Zürich