I’m in a new job with a Swiss company after 6 years in CH with an international company. I knew that the salary was worse and that the benefits were nearly non-existent, but now that I have my first real salary slip, its a bit worse than I expected. That leads me to two questions about standard practices in all of YOUR places of work.
Accident insurance - we are charged back the cost of the insurance for coverage outside the workplace. Its legal, but the cost savings vs goodwill potential doesn’t make sense to me. (cost is about 50 CHF per month)
2nd pillar / LPP. They are only covering the minimum requirements, or about 85k (https://www.vita.ch/-/media/vita2/dokumente/informationen/vita-berufliche-vorsorge-einfach-erklaert.pdf?la=fr and https://retireinprogress.com/swiss-pension-system/3/ have good explainations)
To me, the 2nd pillar is a nice backup option, but I do at least want complete coverage (and matching!) for my whole salary. Do most of you only get the minimum legal coverage? I did think to ask about this one when I got my verbal offer, and they did say that the complete salary was covered, but I think HR didn’t actually understand the system well. Regardless, there’s nothing either way in my contract, which is my fault.
tldr: Do you pay for any part of your employer sponsored accident insurance? Is your whole salary considered when contributing to the 2nd pillar? Looking forward to hearing your experiences!