PrämienheldMore room to shape
3b can be a flexible complement to tied pension planning for goals beyond pillar 3a.
Personal Swiss comparison
Pillar 3b calculator: build flexible wealth
Plan flexible pension assets with a projection that fits you.
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
Why pillar 3b can complement your plan.
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.
Lump sum or regular saving
Depending on the solution, a lump sum and regular contributions can be combined.
Structure wealth professionally
We compare options against your objectives, horizon and desired flexibility.
Pillar 3b calculator for flexible goals
Compare different terms, contributions and return scenarios, then assess which flexible pension approach fits your goals and time horizon.
Interactive calculator
Your pillar 3b projection
Adjust the assumptions and see a clear illustrative scenario.
Illustrative assets at 65–
Planned contributions–
Projection only. Value development is not guaranteed and depends on the chosen solution, costs and markets.
Scenario from today to age 65 · no investment advice
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