Swiss Life’s expat solution was launched in 2010 to provide Europe-based multinational companies full-range employee benefits for their expatriates and mobile employees. Since its inception, the Swiss Life expat solution has continuously evolved, to increase flexibility and thus provide “a peace of mind” solution to multinational companies and their mobile employees.


  • Multinationals with 5 to 10 mobile employees
  • Members can be located worldwide
  • Policyholder can be based in an EU/EEA country or in Switzerland


  • Retirement capital
  • Death lump sum
  • Disability pension
  • Total & permanent disability
  • Waiver of premiums

Free cover limit

  • Death lump sum: EUR 250,000
  • Disability pension: EUR 25,000 of annual benefit
  • Total & permanent disability: EUR 250,000 

Maximum benefits

  • Death lump sum: EUR 3.5 million or 12 times salary
  • Disability pension: EUR 250,000 or 75% salary
  • Total & permanent disability: EUR 3 million or 8 times salary

Underwriting process

  • One underwriting process for all covers

Web access

  • Online administration system Swiss Life Preferred Plus

Investment options

  • Wide range of investment options from low-risk guaranteed return products to unit-linked equity funds

2013 additional features for medium and large expat policies

In addition to the features introduced in 2012 to add more flexibility in our offer for groups of 10 expats or more (see Newsletter September 2012), we are proud to announce the following new ones:

Clients can now enjoy access to institutional investor class for the big majority of investment funds

Accidental Death & Dismemberment
This is available for policies with effective date in January 2014 or later

Death Lump Sum and Survivor’s Pension
Improved pricing has been available since July 2013 



Here is a brief preview of what is to follow in Q1 2014:

Contractual documents
Streamlined and more user friendly documents

Applicable contract law
Contractual documents under UK law will be available



For more information

please contact Swiss Life Network