Provident insurance Scala

As government pension benefits shrink, private savings become all the more important. Our provident insurance helps you save pension capital while protecting your loved ones against the financial fallout of a death in the family.

Image Not Found Savings and risk cover combined
Image Not Found Guaranteed death benefit
Image Not Found Add supplementary options as required
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How provident insurance Scala works

Our provident insurance Scala combines a savings portion with risk insurance. You put aside 3rd pillar savings to use after you retire. If anything happens to you, your family members will enjoy financial protection thanks to the guaranteed death benefit. You can also choose to add insurance for loss of earning capacity, premium exemptions or additional lump-sum benefits.

Your benefits

Savings and risk cover

To ensure your loved ones are financially secure.

  • Adjust coverage to suit your needs
  • Change your risk cover during the term
  • Saving under pillar 3 with tax advantages
  • Select the investment plan that meets your needs
  • Attractive potential returns: expert investments
Benefits for every age group

Protection and insurance for a variety of different situations.

  • For young parents, families and couples
  • Protect against risks to the main earner
  • Save early for retirement
  • Continually build up pension capital

Provident insurance Scala at a glance

Risk cover

Death benefit

Subsequent insurance

Optional add-ons

Savings component

Build savings

Pillar 3a

Pillar 3b

Personal pension consultation for you

For an analysis of your situation and personalised quotes.

Coverage types in detail

In brief

  • Financial protection for family
  • Guaranteed sum insured
  • Automatically included
  • Fund assets paid out in full

Your death benefits
Your unit-linked provident insurance Scala policy protects your loved ones in the event that something happens to you. They will be paid the entire fund balance, but at least the guaranteed death benefit. 



  • In the event of survival: You’ll receive a guaranteed maturity benefit.  
  • In the event of death: Your beneficiaries will receive the entire fund balance, but at least the guaranteed death benefit.  

In brief

  • Adjust your risk cover
  • As your life changes
  • Available throughout the entire term
  • Stay flexible

Your guarantee of subsequent insurance 
Marriage, children, divorce or the purchase of your own home: there’s no way to predict where life will take you. Our guarantee of subsequent insurance allows you to adjust risk cover for your provident insurance Scala policy easily as your life changes. 


Adjust benefits every five years
Guarantee of subsequent insurance is automatically included. This allows you to adjust your benefits every five years throughout the entire term of your provident insurance Scala policy. 

In brief

  • Pension for loss of earning capacity
  • Additional lump-sum benefits
  • Premium exemption

Additional options 
If you want to, you can add additional coverage to your provident insurance Scala policy to ensure that you have even more comprehensive protection for certain events. For example, you might want cover as a way of protecting your standard of living in the event that you are no longer able to work.


Additional options at a glance

  • Pension for loss of earning capacity: We will pay you a pension if you become unable to work.
  • Premium exemption: If you no longer have an income due to illness or accident, we will pay your premium for you. This is true in the event of death or loss of earning capacity.
  • Additional lump-sum benefits: We will pay out a lump-sum in addition to the benefits from the main insurance in the event you become disabled or die as the result of an accident. 

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.
Tomorrow Invest
Multi Index

Twice as safe: save pension capital while benefiting from risk cover.

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