Social security in Switzerland

The social security in Switzerland (in German Sozialversicherungen) includes several public and private insurance plans to assist the welfare of the population.

Article 111 defines the so-called "three-pillar principle", which regulates the structure of retirement, survivors', and disability benefits.

Finally, in Article 117 sickness and accident insurance is regulated by constitutional law.

The old-age and survivors' insurance (Alters- und Hinterlassenenversicherung - AHV), together with the disability insurance (Invalidenversicherung - IV) and supplementary benefits, forms the first (state) pillar of the Swiss three-pillar system and serves to adequately safeguard the need for subsistence.

Social insurance is mostly financed by direct deductions from individual wages.