Innovation intelligence brief
Innovation intelligence brief
Die flexible Säule 3a – passend zu Ihnen. Einfach abschliessen, Flexibel einzahlen, Auf Sie zugeschnitten.
What became of it
Completed · High confidence · Last verified 2026-10-17
As catalogued
Fully digital, fund-linked pillar 3a pension product from Generali Switzerland that can be opened online in about 15 minutes, with free contributions after an initial deposit and a guided investor-profile questionnaire; built on FNZ's platform.
2026 reality
Generali Switzerland offers 'Pillar 3a Flex' (microsite 3a.generali.ch): online opening in about 15 minutes, minimum initial payment CHF 500, then optional contributions, investment in diversified fund portfolios chosen via an investor profile, and an optional savings contribution (up to CHF 3,000 per year if earning capacity is lost, CHF 9/month). Sits alongside traditional provident insurance (3a/3b) sold via advisors.
The original model remains substantially intact; the product is now branded 'Säule 3a Flex' and integrated into Generali's customer portal.
an incumbent insurer's direct digital 3a fund solution with optional disability-linked contribution cover, competing with app-based 3a providers (VIAC, frankly, finpension) on convenience rather than lowest fees.
Third taxonomy
REVIEW · Verified current Pillar 3a Flex terms on generali.ch (CHF 500 minimum, CHF 3,000 savings contribution for CHF 9/month) and the launch press release dated 3 December 2018. Replaced the dead (404) press-release PDF link and made the launch date exact.
Documented evidence
Homepage
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Research interpretation
Classification paths, as catalogued, connect this example to the original insurance digitalization research models.