Provident insurance package

Optimal provident saving with comprehensive risk cover

You're living life to the full and are optimistic about the future. Certain risks are still there, though. It's good to be prepared. Your provident insurance package is a savings plan and risk cover all in one. You determine the return and security profile for your savings and receive a guaranteed death benefit, premium exemption or annuity. That way, you and your family can be sure of being fully protected.

Your benefits

  • Optimal provident insurance: Savings and comprehensive risk cover in a single package
  • Attractive package bonus
  • Premium guarantee for the entire term of the contract
  • Tax advantages

Secure capital for your future

You should be able to shape your own future. For this reason, the PREVIDENZA providenet insurance package allows you to do what you want with your money: With fund saving, you benefit from better potential returns than you would with traditional investments. You also save taxes because you can deduct your premiums under Pillar 3a from your taxable income each year. If your financial situation changes during the term of the contract, you can take a premium break and take advantage of other options.


Optimal risk cover for every situation

You cannot determine everything in life, as some risks will persist no matter what you do. But with this provident insurance package, you can protect yourself and your loved ones. If something happens to you, your surviving dependents will receive a guaranteed death benefit and will thus be protected from financial worries. Even in the event of incapacity to work, you are always on the safe side: after expiry of the waiting period, Generali will continue to pay your premiums so that you can still achieve your savings objective. You'll also receive a regular pension. This means that you enjoy optimal risk cover - and the exclusive package bonus increases your savings capital.



Our range of funds is perfectly tailored to your needs.

  • Our sustainable «Tomorrow Invest» investment plans, which invest primarily in Swiss companies with a proven commitment to a better world
  • Our «Multi Index» strategy funds, which emphasise broad geographical diversification with cost-effective ETFs.
  • You can change your investment plan at any time



Are you interested in sustainable investment opportunities?


You can select our sustainable investment plan “Tomorrow Invest”. With this option, you invest in companies with a proven commitment to a better world. We concentrate on Swiss companies.


This product is also available with the features of Flex Provident Insurance.



Your benefits

You'll receive the survival benefit when the term of the contract ends. In the event of your death during the term of the contract, the death benefit will be paid out to your beneficiaries.



Important questions

Your savings premiums can be invested in our «Multi Index 25, 50, 75 and 100», aswell as our «Opportunity» investment plans. We now also offer our sustainable investment options «Tomorrow Invest 50» und «Tomorrow Invest 100».

On a monthly, quarterly, six-monthly or annual basis.


Premiums can be paid easily via direct debit. Finance the premiums via an interest-bearing premium deposit account and benefit from attractive interest rates.

Pillar 3a

  • Premiums can be deducted from taxable income. You can find the current statutory maximum amounts here.
  • No wealth or capital gains taxes are payable during the term of the policy.
  • The payment is taxable at a reduced rate.


Pillar 3b

  • Tax-free lump sums
Age at entry
  • Pillar 3a: 18–55 years
    Pillar 3b: 065 years
Final age under
  • Pillar 3a: 65 years, or 70 years if the insured person remains in employment.
    Pillar 3b: 75 years
Contract term 1045 years
Beneficiaries Pillar 3a: statutory beneficiary rules
Pillar 3b: free choice of beneficiaries
Surrender/waiver of premium/taking out a loan

Basic Scala: Possible after 3 years
Basic Flex: From contract start
Provisions of pillar 3a must be taken into account.


Additional options

Flexible additional payments into the Pillar 3a, additional insurance cover and annual tax optimisation: with the additional payment option for your life insurance, you’re investing in your future and making sure you keep your financial freedom.

If the insured person dies during policy term, the insured sum is paid to the beneficiaries. For example, this supplementary insurance can ensure children's education or provide security for a loan.