A fresh start
Getting a divorce has an impact on your family life. It also has administrative, legal, financial and material consequences. It is important to formalise your divorce without delay. We explain the actions to take with regard to insurance.
Health and accident insurance
- You must notify your health and accident insurer of any changes in your personal situation (separation, divorce, death, ...) to continue to be insured.
- You must conclude new policies for your children, regroup the former contracts under your name if you have been granted custody, or unbundle the contracts using the following application form for family unbundling.
Life insurance, individual savings (3rd pillar)
- The assets under the third pillar must be shared in accordance with the rules of the matrimonial regime (community or separate property, or participation in acquests). If the spouses were married under the separate property regime, the 3rd pillar will not be shared.
Personal liability, household contents, legal protection insurance
- Report rapidly any changes in your personal situation in order to adjust the policies or take out new ones.
Contact us using the form
Occupational benefits in accordance with LPP/BVG (2nd pillar)
- Each spouse is required to transfer to his/her partner half of the LPP/BVG occupational benefits accumulated during the marriage up to the day the divorce proceedings begin.
- Contact our Customer Services using the Occupational benefits notification form
State pension coverage under the 1st pillar: AVS/AHV-AI/IV
- In the event of divorce, each spouse is entitled to half of the income on which the couple paid contributions during the marriage.
- Ask for your assets to be split (“splitting”) immediately to avoid delays and mistakes in calculating your pensions.
- Contact your employer’s compensation fund or your cantonal fund office (list of cantonal fund offices)