Network Partner Profile

• Helsana is leading health and accident insurer in Switzerland and market leader in the field of group salary continuation insurance.
• Insures companies and associations against the financial consequences of illness and accident-related absences from work.
• Insures some 1.9 million individuals; premium volume of CHF 5.6 billion (2011).
• In group business, Helsana manages more than 710,000 insured persons of around 58,000 companies and associations. Widely represented throughout the country by a network of 22 agencies with, in total, 41 points of sale.
• Member of the Swiss Life Network since 2005.
  

• Many free-of-charge additional services.
• Occupational Pension Plans: provide consulting services to clients in respect of the claims situation and identifying appropriate measures.
  

Types of Employee Benefits - Coverage available and poolable

• Short-Term Disability (salary continuation insurance “KTG”)
• Supplementary Accident Insurance (exceeding compulsory coverage “UVGZ”)
  

Types of Employee Benefits - Coverage available:

• Compulsory Accident Insurance (Medical Benefits, Disability Pension and Lump Sum, Survivors’ Benefits - “UVG”)
• Medical

• Established in 1958.
• Over 50 years of experience as health insurer and one of the top five health insurers in Switzerland.
• Specialises exclusively in health insurance, and is committed to helping people live longer and healthier lives.
• Flexible and comprehensive product range which meets the needs of both corporate and individual clients, and renowned for outstanding service.
• Insures over 860,000 persons and over 2,200 group health contracts, with total premiums of CHF 2.5 billion (2011).
  

• Group solutions for expatriates of Swiss-based companies available, products which are fully compliant with LAMal/KVG*. They combine basic health insurance with supplementary top-level private cover for in-patient and out-patient benefits (no gaps, no cumbersome coordination).
• Optimal cover for expatriates and dependants, with private hospital cover abroad in all products.
• Continuation option for group health scheme leavers on an individual basis with same level of benefits outside group contract without medical examination when returning back to Switzerland.
• State-of-the-art web access.
• Highly professional and personalised case management system.
• Worldwide 24/7 assistance, free medical advice and second medical opinions (24/7) are included in all products.
• No-claims bonus.

* LAMal = Loi sur l’Assurance Maladie
* KVG = Krankenversicherungsgesetz
(Compulsory minimum cover)

Types of Employee Benefits - Available coverage for expatriates and their dependants:

• Health cover includes:
  

- in- and out-patient treatments
- basic dental care
- basic vision care
- assistance (evacuation, repatriation, etc.)

• Dental cover (rider to health cover)

Types of Employee Benefits - Additional available service:

• Complete range of consulting services

• Founded as a mutual life insurance company in 1857, Swiss Life (Switzerland) is the oldest life insurer in Switzerland.
• Converted into a joint stock company in 1997.
• One of the life insurance market leaders, with a market share of 26.4 % in 2011.
• In 2011 total gross premiums amounted to CHF 8 billion.
• Operates 40 agencies with over 600 agents, offering a strong nationwide service network.
• Rated A- (outlook stable) by Standard & Poor’s in June 2012.
• Member of the Swiss Life Network since 1962.
  

• Offers tailor-made pension plans.
• Provides innovative separate accounts for large funds and special investment solutions for smaller funds (unit-linked).
• Wide range of individual products.
• Group insurance plans may be concluded with the standard local dividend or local experience rating for large groups.
  

Types of Employee Benefits - Coverage available and poolable:

• Old Age Pension / Lump Sum
• Group Life & Survivors’ Pension
• Disability Pension / Lump Sum (rider)
• Endowment (rider)
• Accidental Death & Dismemberment (rider)

Available Financial Products (offered by Swiss Life Asset Management):

• Company–Specific Portfolios
• Asset Management Mandates

• Founded in 2003 by Swiss Life (Switzerland).
• Independent consultancy and administration services since 2009, which provide both local and cross-border pension services through a team of 26 specialists with a broad range of local and international expertise and experience.
• Seven accredited Swiss pension experts (three of whom also have international consulting experience) support Swiss pension funds. In addition to meeting all Swiss requirements, Swiss Life Pension Services (SLPS) has developed a methodology of tailored benefit benchmarking, taking account of inflation, expected return on assets and salary increases.
• Five international accounting specialists provide profound knowledge of IFRS and US GAAP requirements. SLPS currently serves over 120 clients with international accounting services.
• Eleven administrators deliver outsourcing services including book-keeping, collecting employee contributions, preparing annual accounts, technical administration, operational management, and preparation and leading of board of trustees’ meetings.
• Four accredited actuaries deliver actuarial and technical calculations at both individual and pension fund levels. They also provide information through our Asset and Liability Management (ALM) services, giving clients a clear understanding of the structural situation of their pension fund and how liabilities are developing over time. Based on this, SLPS assists clients to develop an optimised asset portfolio.
• Member of the Swiss Life Network since 2011.
  

• Customised actuarial consulting for Swiss pension funds.
• Operational management and administration of clients’ Swiss pension plans.
• Accounting of employee benefits according to local and international standards (FER, IFRS, US-GAAP).
• Bundled expertise for a wide range of actuarial consultancy.
• First provider of an integrated risk management approach for entrepreneurial management of pension funds.
• More than 20 specialised consultants.
  

• Actuarial reports for pension funds according to Swiss regulations
• Actuarial reports according to IAS 19, FAS 87, FER 16
• Pension fund administration services
• Comprehensive, forward-looking risk management approach for pension fund leadership
• Asset Liability Management studies
• Benchmarking and cross-border comparisons of benefits for international companies