PrämienheldYour goal sets the route
Retirement, property, family or self-employment: your priorities shape the right strategy.
Personal Swiss comparison
Pillar 3a & 3b: build your pension strategy
Understand which pension route supports your plans.
Free · personal · non-binding
Prämienheld in numbers
Personal service. Tangible experience.CHF 783Average saving per person per year*
CHF 638’250Total premiums saved*
750+Customers supported
23+Insurers in comparison
Figures supplied by Prämienheld, confirmed September 2026. *Figures from previous comparisons; individual savings depend on the policy and available offers and are not guaranteed.
Prämienheld
Pension planning is never one-size-fits-all.
A strong decision is based on more than a low price. Our comparison puts your needs, your existing cover and your next move into a clear picture.
Put 3a and 3b in context
Tax impact, commitment and flexibility belong in the same conversation.
Compare personally
We structure your options so you can decide consciously.
Compare pillar 3a and 3b personally
A pension comparison makes contributions, term, costs and flexibility easier to understand and helps you assess 3a, 3b or a combination.
Your route
From first question to a clear choice.
1
Share your situation
A few details or your current policy are enough to get started.
2
Receive a structured comparison
We make premiums, relevant cover and open questions easy to understand.
3
Decide at your pace
If you wish, a suitable specialist partner can take the next step with you.
Why Prämienheld
More clarity. Less unnecessary effort.
A personal comparison makes it easier to see where your policy stands today and which next step is worth taking.
What you receive
- A clearly structured starting point
- Options matched to your goal
- A voluntary policy upload
- A personal next step if desired
Ready when you are
Your policy can be the easiest place to start.
Upload it voluntarily and let us prepare a personal comparison.
FAQ
Questions before you start
Is the comparison binding?
No. You decide whether and how to proceed after receiving the comparison.
What happens to my uploaded policy?
It is transmitted in encrypted form and used only for the requested review. The upload is voluntary.
Can I combine different insurance areas?
Yes. We can structure health insurance, pension and selected property cover around your situation.
Prepare your comparison