The Helvetia Cadre Employee Benefit Scheme 1e fits seamlessly into the company's existing basic employee benefit scheme. Pension assets in the Helvetia Cadre Employee Benefit Scheme 1e are invested in Helvetia Allegra Funds. Disability and death risk benefits can be structured flexibly within the legal framework for employee benefit schemes. These risk benefits are reinsured with Helvetia Life. The contract of association for the Helvetia Cadre Employee Benefit Scheme 1e is concluded with Liberty 1e Flex Invest Foundation.
It is only possible to insure salary components that are more than one and a half times above the upper threshold defined in Article 8 (1) LOB (as at 2025: CHF 136,080), up to the maximum insurable salary (as at 2025: CHF 907,200). The employee benefits are outside the scope of the LOB Guarantee Fund so they are not covered by this fund. Nevertheless, contributions to the LOB Guarantee Fund are mandatory. Death and disability benefits are insured as agreed in the employee benefit scheme. The Cadre Employee Benefit Scheme 1e is a seamless fit with the basic insurance cover.
The basic legal conditions set out in Article 1e OPO 2 must be observed:
The Helvetia Cadre Employee Benefit Scheme 1e currently offers insured persons a choice of five different investment strategies with equity weightings of between 0% and 80%. If their needs change, insured persons may switch to one of the other investment strategies offered by the Helvetia Cadre Employee Benefit Scheme 1e. Moreover, insured persons can optimize their tax position via voluntary contributions. The benefit scheme and death and disability benefits are structured in accordance with the company's requirements.