Insurance configuration
The coordination deduction for the insurance can be defined under Company / Insurance. This can be freely selected within the legal limits (0 - 26460 as of 2025). The coordination deduction should be set at the beginning of the year (before paystubs are closed) and should not be adjusted thereafter. Changes during the year can lead to incomprehensible deductions.
The coordination deduction only has an effect on employees for whom the BVG is selected in %. The calculation of the contribution is as follows:
BVG contribution (per month) = BVG salary * BVG percentage
BVG salary = BVG basis - (coordination deduction / 12)
However, there is also an upper limit of CHF 90,720 (as of 2025) for the BVG salary
Max BVG salary = (BVG upper limit (maximum eligible salary) - coordination deduction) / 12
Example 1 (Contribution rates and limits as at 2025)
- Employee with a salary of CHF 4000
- Coordination deduction 26460 CHF
- BVG percentage = 3,5%
- BVG salary = 4000 CHF - (26460 CHF / 12) = 1795 CHF
- BVG amount = 1795 CHF * 3,5% = 62,85 CHF
Example 2 (Contribution rates and limits as at 2025)
- Employee with a salary of CHF 10000
- Coordination deduction 0 CHF
- BVG percentage = 3,5%
- BVG salary = 10000 - (0 CHF / 12) = 10000 CHF
- BVG salary (maximum) = (90720 CHF - 0 CHF) / 12 = 7560 CHF
- BVG amount = 7560 CHF * 3,5% = 264,6 CHF
Employee configuration
The BVG contribution for an employee can be defined in two ways under the employee settings “Insurance”.
1. Entering an amount
This amount is then deducted on the paystub
2. Enter a percentage
The percentage value is applied to the total of all “relevant wage types” minus the coordination deduction in the paystub
The selection of amount or percentage is made via a toggle in the employee settings under "Insurance" "BVG".
“Relevant wage types”
In the wage type table, we have added a new column “BVG in %”, which defines whether a wage type is included in the calculation or not.
Behavior when using the percentage rate
bexio does not ensure that the legally required minimum is reached. If an employee is subject to BVG, please check the corresponding box. As soon as this is done, the BVG will be calculated automatically.
In this solution, only the current month is taken into account. The legally required coordination deduction is divided by 12 to calculate the monthly amount and then deducted from the total of all “relevant salary types”. In addition, a check is made to ensure that the BVG base does not exceed the monthly maximum value (legally prescribed maximum insured salary - coordination deduction divided by 12). There is no lower limit.
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Example: Gross hourly wage: 6187.45 Minus monthly coordination deduction: - 2143.75 = 4043.70 3,5% BVG deduction calculated on this amount = 141.55 (LPP contribution)
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If you have any further questions about BVG administration, please contact your BVG insurer directly.