Compulsory BVG

Who is compulsorily insured?

All employees who are at least 17 years old and have an annual income of more than CHF 22,680 (as of 2026) are compulsorily insured. From January 1 following their 17th birthday, they are insured against disability and death, and from January 1 following their 24th birthday, they also start saving for retirement.