versicherungswissen DE

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What do you need to sort out when you start a new job?

In short

When you change jobs, your accident insurance and your pension fund change.

Make sure your pension fund balance goes to the new fund, check the accident cover in your health insurance and plan any gap between two jobs carefully. Tick off what is done.

As of 2 October 2026 · Sources faq.bsv.admin.ch, bsv.admin.ch, bag.admin.ch and 1 more

ChecklistTick off what is done

0 of 8 done

Before the change
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If you stay without salary for more than 31 days, protection for leisure accidents ends. Take out an interim accident insurance beforehand or have the health insurer's accident cover included again.

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Ask your new employer for it and pass it on to your previous fund.

In the first weeks
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Your balance must go to the new pension fund. If that is not possible, it goes to a vested benefits account. Forgotten money otherwise ends up with the substitute occupational benefit institution.

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Check the insured salary, the benefits on death and disability and whether you can buy in.

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If you work at least 8 hours a week, you can suspend it and save premium.

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In the first year
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With a pension fund up to CHF 7,258 a year, as of 2026.

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Ask whether your employer has daily sickness allowance insurance. It pays your salary in long illness.

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New salary, new life situation. You can switch in autumn.

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Want to know more?

Why does changing jobs matter?

With the employer you also change accident insurance and pension fund. Your balance in the pension fund belongs to you. But you are responsible yourself for making sure it arrives at the new fund.

What comes next?

Your path · My job is changing Step 1 of 7

Your next step Who pays if you have an accident?

See all steps

Sources and date 2 October 2026

This page explains in general terms and does not replace personal advice. Law and your policy are what counts.

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