I am self-employed

The three-pillar system to ensure that I am properly insured

Find out about the three types of pensions available to be well insured as a self-employed person.

Insurance for the self-employed is based on three pillars:

  • 1st pillar: compulsory insurance (AVS/AHV - AI/IV) to cover vital needs
  • 2nd pillar: optional occupational pension insurance
  • 3rd pillar: optional individual pension insurance

Taking out insurance under the 2nd and 3rd pillars offers many advantages, whether in the event of an accident, illness or even with a view to optimising your tax payments. Discover the pension solutions of Groupe Mutuel.

How can I continue to receive an income if I get sick? The answer is here!

And if it's an accident, how do I deal with the financial consequences? Find the solution here!

Why is Groupe Mutuel in the best position to insure me as a self-employed person? The answer is here!

How can I quickly receive an offer to insure me as a self-employed person? I enquire without any obligation!

Your most 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 circumstances (unemployment, new employer, disability, change of address, of income, etc.).

You should tell us immediately that you have left your company and specify that you wish to be offered a switch to individual insurance cover. If you accept this offer, you will continue to enjoy insurance coverage with the same conditions as you had when you were an employee of 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)

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Groupe Mutuel

Rue des Cèdres 5 Case postale, 1919 Martigny    |    +41 0848.803.111