Provident insurance Performa

For making your dreams a reality, major purchases or your retirement: This provident insurance plan allows you to build up capital. With attractive potential returns and optional risk cover.

Image Not Found Saving under pillar 3 with tax advantages
Image Not Found Attractive potential returns
Image Not Found Choice of investment plans
Image Not Found Optional: add risk cover
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How provident insurance Performa works

You build up savings in either a pillar 3a or 3b pension. When doing so, you can select from three savings profiles with different levels of risk. Our provident insurance Performa always includes a premium exemption: we will continue paying your premium if you experience loss of earning capacity. Plus, you can add other risk cover to your policy. 

Your benefits

Flexible savings plan

Saving for retirement or to make dreams a reality.

  • Saving under pillar 3 with tax advantages
  • Select the investment plan that meets your needs
  • Attractive potential returns: expert investments
  • Premium waiver included
  • Add cover for other risks in line with your needs
Focus: guaranteed savings

For a life without financial worries.

  • For young families
  • For young people starting their career
  • For students
  • For those working on making dreams real

Provident insurance Performa at a glance

Your focus: Saving

Build up capital

Pillar 3a

Pillar 3b

Risk cover

Premium exemption

Optional add-ons

Personal pension consultation for you

For an analysis of your situation and personalised quotes.

Coverage types in detail

In brief

  • Building savings capital
  • In a pillar 3a or 3b account
  • Choose from a range of investment plans
  • Invest in line with your needs
  • Potential returns

Saving for later life
You decide whether to pay your premiums into a pillar 3a or 3b account. This way, you can build financial security for your retirement or savings for your next big purchase. 


Finding the right investment plan
You can choose from two different types of investment plan: our sustainable Tomorrow Invest plans, which primarily invest in Swiss companies with a proven commitment to creating a better world. And our cost-effective Multi Index strategy funds, which focus on high geographical diversification and cost-effective ETFs. 

In brief

  • Build savings for your retirement
  • Close pension gaps
  • Benefit from tax savings
  • Savings withdrawable on retirement

Saving under pillar 3a
Pillar 3a is a tied pension. This means you will normally only be able to access pillar 3a savings when you retire. However, it allows you to deduct your premiums from your taxable income, which means you’ll pay less annual tax. This makes a pillar 3a pension perfect for saving for your old age. 


Good to know

  • Pillar 3a has strict rules concerning the order in which beneficiaries will be paid any funds in the event of the insured person’s death.

In brief

  • Saving: flexible and without limits
  • Unrestricted access to your savings
  • Saving for major investments
  • Limited scope for tax savings
  • Free choice of beneficiaries

Saving under pillar 3b
Pillar 3b is a flexible pension. That means you can be very flexible with your savings and access your funds at any time. Pillar 3b is a great option for building savings for a bigger investment.


Good to know

  • Pillar 3b has no restrictions concerning beneficiaries, which means they can include cohabiting partners.
  • However, tax savings are only offered in some cantons and with restrictions.
  • Later withdrawals are not taxed.

In brief

  • In the event of loss of earning capacity
  • Automatically included
  • We’ll continue paying your premiums
  • Important protection

Your premium exemption 
The integrated premium exemption ensures that you’ll be able to achieve your savings objectives even if you experience loss of earning capacity after an accident, illness or impairment of your basic faculties. In this case, we will continue to pay your premiums once the waiting period has expired. 

In brief

  • Pension for loss of earning capacity
  • Lump-sum disability benefit
  • Lump sum death benefit if result of an accident

Add-on covers
If you and your family would like to protect yourself from other risks, you can add any of the following optional covers to your provident insurance Performa. For more protection from the financial fallout of illness, accidents and death.


Options at a glance

  • Pension for loss of earning capacity: If you become unable to work because of an illness or accident, we will pay you a pension. With this cover, you will be able to choose the sum insured and waiting period yourself.
  • Lump-sum disability benefit: Should you become disabled, we will pay you the sum insured after a waiting period of six months. 
  • Lump sum in the event of death resulting from accident: If the insured person dies as a result of an accident, the agreed lump sum will be paid in addition to the main insurance benefits.
  • Premium waiver in the event of death: Our provident insurance Performa automatically includes a premium waiver in the event of loss of earnings capacity. You can also add a premium waiver for the event of death.
Tomorrow Invest
Multi Index

Saving for your retirement or major purchases – start now.

Practical examples

Customer opinions

Eva T. 30.04.2024
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Said Abd El Ham 29.04.2024
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Juha-Pekka P. 28.04.2024
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Gaurav M. 26.04.2024
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Kulyk T. 26.04.2024
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Antony Lloyd Pr 17.04.2024
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Rogior Maarten 12.04.2024
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Tugrul I. 12.04.2024
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Andrea S. 07.04.2024
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Questions and Answers

Report an insured event

Do you want to make an insurance benefit claim or inform us of a death? We are here for you.

0800 881 882