Network Partner Profile

• Helsana is the leading health insurer in Switzerland and market leader in the field of group salary continuation insurance.
• The fourth largest company in Switzerland in the field of accident insurance.
• Insures companies and associations against the financial consequences of illness and accident-related absences from work.
• Over 1.98 million policy-holders and a premium volume of CHF 5.5 billion (2009).
• In group business, Helsana manages more than 700,000 insured persons of around 57,000 companies and associations with a total premium volume of CHF 618 million (USD 617 million).
• Widely represented throughout the country by a network of 22 agencies 19 points of sale.
• Member of the Swiss Life Network since 2005.

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

Types of Benefit - Coverage available and poolable:

• Short-term Disability (salary continuation insurance – "Krankentaggeld or KTG")
• Supplementary Accident Insurance (exceeding compulsory coverage – "UVGZ")

Types of Benefit - 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.
• Specializes 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 890,000 persons and over 2,000 group health contracts, with total premiums of CHF 2.3 billion (2010).

• 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 exam when returning back to Switzerland.
• State-of-the-art web access.
• Highly professional and personalized 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 Benefit - Coverage for expatriates and their dependants:

Health cover including

• in- and out-patient treatments
• Basic dental care
• Basic vision care
• Assistance (evacuation, repatriation, etc)
• Dental cover (rider to health cover)

Types of Benefit - Additional Services:

• 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.
• Swiss Life (Switzerland) is life insurance market leader, having gained a market share of 28.1 % in 2009.
• In 2009, total gross premiums of Swiss Life (Switzerland) amounted to CHF 7.5 billion.
• Operates 58 agencies with over 800 agents, offering a strong nationwide service network.
• Rated “BBB+ / stable” by Standard & Poor’s.
• 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 Benefit - 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
  It was to serve this important market that Swiss Life set up an independent consulting and administration firm, Swiss Life Pension Services Ltd (SLPS) in 2009, which provides both local and cross-border services.
  Led by Roland Schmid, former CEO of Hewitt Switzerland (the largest pension consulting and administration provider in Switzerland), the company now has a team of 26 specialists offering 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. Alongside meeting all Swiss requirements, 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.
  
• Rated “BBB+ / stable” by Standard & Poor’s. (Swiss Life)
  
• Member of the Swiss Life Network since 2011.
  

• Customized actuarial consulting for Swiss pension funds
  
• Operational management and administration of your Swiss pension plan
  
• Accounting of employee benefits according to local and international standards (FER, IFRS, US-GAAP)
  
• Bundled expertise for a wide range of actuarial consulting
  
• First provider of an integrated risk management approach for entrepreneurial management of pension funds
  
• More than 20 specialized 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