Unpaid leave

Option 1: Continuation of the insurance without changes

• The insurance will continue without change during the unpaid leave.
• All insured benefits (old age, disability and death) are calculated on the basis of the annual salary last reported.
• The insured person bears the entire cost.
   

1. You as the employer collect the premiums from the insured person.
2. You transfer the premiums to us as usual.

Option 2: Continuation of risk insurance

• Invalidity and death benefits will continue to be insured without changes.
• The savings process is interrupted during the unpaid leave.
• There are two possibilities for premium financing:
  
  Option 1:
  The financing of premiums for the risk insurance remains unchanged (allocation of employer and employee contributions).
  
  Option 2:
  The insured person pays the entire premium. You as the employer collect the premiums from the insured person and transfer them to the foundation; the employer remains liable towards the foundation for all premiums.

1. Please send us the completed form Notification of unpaid leave (Vita Classic & Vita Plus, Vita Invest or Vita Select) by mail or email to:
   
   Vita Classic & Vita Plus     
   Zurich Insurance Company Ltd
   Help Point BVG
   P.O. Box
   8085 Zurich
   bvg@zurich.ch
   
   Vita Invest
   Vita Invest Joint Foundation of Zurich Life Insurance Company Ltd
   P. O. Box
   8085 Zurich
   vitainvest@pfs.ch 
   
   Vita Select
   Vita Select Joint Foundation of Zurich Life Insurance Company Ltd
   P. O. Box
   8085 Zurich
   vitaselect@pfs.ch
2. You transfer the premiums to us as usual. Depending on the premium financing, you will collect the premiums from the insured person beforehand.

Option 1: Continuation of the insurance without changes

• As an insured person you do not have to do anything.
• All benefits (old age, death and disability) will remain insured on the basis of your last reported annual salary.
• You as the insured person bear the entire costs.
• Your employer will collect the premiums from you and transfer them to Vita.

Option 2: Continuation of risk insurance

• As an insured person you do not need to do anything; your employer will notify us of your unpaid leave.
• Disability and death benefits will continue to be insured without changes.
• The premium payments for the savings process are temporarily discontinued during the unpaid leave.
• There are two possibilities for premium financing:
  
  Option 1:
  The financing of premiums for the risk insurance remains unchanged (allocation of employer and employee premiums).
  
  Option 2:
  You as the insured person will pay the entire premiums. Your employer will collect the premiums from you and transfer them to the foundation.