Asga Pensionskasse

What Asga Pensionskasse does

Asga Pensionskasse Genossenschaft is a Swiss cooperative pension fund founded on February 23, 1962, in St. Gallen, providing BVG/LPP-mandated occupational pension (2nd pillar) coverage to Swiss employers and employees. The fund operates under a cooperative (Genossenschaft) governance model with equal representation from employers and insured employees — 50 delegates each — and a Board of Directors comprising 8 members with matched employer/employee parity. Asga serves more than 180,000 insured persons through approximately 180 employees, operating from a St. Gallen headquarters and regional offices in Bern (Ittigen), Dübendorf (Zurich), and Maienfeld (Graubünden).

The product portfolio centers on three named pension tiers — AsgaSolid, AsgaExtra, and AsgaTop — designed for association members and self-employed professionals and co-developed with the Schweizerischer Kaderverband. Supplementary offerings include sickness daily benefits insurance (Krankentaggeldversicherung), mandatory accident insurance (UVG/LAA), extra-mandatory pension coverage (Überobligatorische Vorsorge), and mortgage products. Two digital self-service platforms underpin operations: AsgaOnline (employer-facing for mutations, salary notifications, and case management) and myAsga (insured-person portal for pension certificates, voluntary purchases, and beneficiary management). An AI chatbot, AsgaAssist, is built on ChatGPT and is in test phase for customer-service inquiries.

The revenue model is contribution-based: employers and employees pay recurring pension premiums determined by actuarial calculations tied to salary and demographics, with revenue also generated from investment management of accumulated pension assets. Distribution combines a regional advisor network (postal-code-based field sales), a broker channel with dedicated portal access, and referral partnerships with over 10 cantonal trade associations and professional bodies. As a cooperative, Asga reinvests surpluses for member benefit rather than distributing profit, and its 60-year regional heritage in Eastern Switzerland underpins brand equity with SME employers and the trade/craft sector.

Name

Asga Pensionskasse

Legal name

Asga Pensionskasse Genossenschaft

Website

https://asga.ch

Company type

Private

Founded year

1962

Operating status

Operating

Headcount range

101–250 employees

Ownership category

akta.pro rank

Product category

Occupational Pension Services

NAICS

Pension Funds (525110), Pharmacy Benefit Management and Other Third Party Administration of Insurance and Pension Funds (524292), Health and Welfare Funds (525120)

SIC

Life Insurance (6311), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Pension Master Trusts, Superannuation & Provident Funds (FSAAAGAB)

akta.pro secondary industries

Pensions & Retirement Benefits Administration (BPAIAKAA), Employer Retirement Plan Advisory (401(k)/Pension) (FSAEABAE), Group Disability Income Insurance (Employer-Sponsored) (FSAIAIAB)

Keywords

• Occupational pensions
• BVG LPP coverage
• Retirement planning
• Disability insurance
• Accident insurance

Headquarters

HQ city

Gallen

HQ country

Germany

HQ region

Europe

Offices4 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Pension Fund Premiums: As a Swiss pension fund (Pensionskasse), Asga generates revenue through employer and employee contributions to occupational pension plans. Employers and employees pay regular premiums into the pension fund, which are invested and managed to provide retirement, disability, and death benefits.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels4 records

Core offering

Asga Pensionskasse is a Swiss cooperative pension fund offering mandatory and extra-mandatory occupational pension coverage (BVG/LPP) to Swiss companies, self-employed professionals, and members of trade and professional associations. Its core offering consists of three named pension tiers (AsgaSolid, AsgaExtra, AsgaTop) providing differing levels of retirement, disability, and survivor benefits, with administration delivered through employer and insured-person self-service portals and supported by regional advisors across Switzerland.

Product overview

Asga Pensionskasse Genossenschaft is a Swiss pension fund organized as a cooperative, offering occupational pension solutions (BVG/OQP 2nd pillar) for companies and association members. The product portfolio centers on three named pension tiers (AsgaSolid, AsgaExtra, AsgaTop) providing varying levels of coverage for retirement, disability, and survivor benefits, supplemented by AsgaOnline and myAsga digital platforms for employer and employee self-service. Additional offerings include sickness daily benefits insurance, accident insurance (UVG/LAA), extra-mandatory pension coverage, and mortgage products. Founded in 1962, Asga serves over 180,000 insured persons through offices in St. Gallen, Bern, Dübendorf, and Graubünden.

Differentiator

Problem solved

Functional benefit

Brands

• AsgaSolid: Pension solution for association members offering insurance up to CHF 90,720 annual salary with coordination deduction, providing disability pension at 30% of AHV salary and partner pension at 20% of insured salary.
• AsgaExtra
• AsgaTop

Products and services

• AsgaSolid Entry-level 2nd pillar pension solution for Swiss association members and self-employed professionals. Covers AHV annual salary up to CHF 90,720 with a coordination deduction of CHF 26,460, providing disability pension at 30% of AHV salary and partner/survivor pension at 20% of insured salary plus child pensions at approximately 7%.
• AsgaExtra Mid-tier 2nd pillar pension solution for association members and self-employed, covering AHV annual salary up to CHF 362,880 minus coordination deduction of CHF 26,460. Target retirement/disability pension is 70% of salary including AHV; survivors receive 50%; voluntary purchases and additional savings contributions count toward death benefit capital.
• AsgaTop Premium 2nd pillar pension solution for association members and self-employed, covering effective AHV annual salary up to CHF 362,880 without coordination deduction. Target retirement/disability pension at 80% of salary including AHV; survivors receive 60%; voluntary purchases and additional savings contributions count toward death benefit capital.
• Vorsorge für Unternehmen (Company Pension Schemes) BVG/LPP-mandated occupational pension coverage for Swiss companies, providing retirement, disability, and survivor benefits according to Swiss law requirements. Managed end-to-end by Asga for employer clients and accessed by employers via the AsgaOnline portal.
• Vorsorge für Verbandsmitglieder (Pension for Association Members) Pension solutions designed for self-employed individuals and members of Swiss professional and trade associations, offering death and disability risk coverage through the three AsgaSolid / AsgaExtra / AsgaTop tiers.
• Krankentaggeldversicherung (Sickness Daily Benefits Insurance) Insurance coverage providing daily sickness benefits to employees during illness-related inability to work. Marketed as a stand-alone product alongside the pension offering.
• Unfallversicherung (Accident Insurance) Mandatory accident insurance coverage (UVG/LAA) providing benefits for work-related and non-work accidents, offered as a complementary product line to occupational pension coverage.
• Überobligatorische Vorsorge (Extra-Mandatory Pension) Voluntary pension coverage exceeding BVG minimum requirements for employees seeking higher retirement savings and benefits beyond the statutory minimum.
• Hypotheken (Mortgages) Mortgage products offered through partnerships to support Asga members in financing residential property purchases using home ownership (Wohneigentum) withdrawals from pension assets.

Quantifiable outcome

• Serving over 180,000 insureds with over 180 employees

Named customers5 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability2 records

Feature3 records

Partnerships

Six partnerships are on record, tiered core and minor.

• Schweizerischer Kaderverband (Swiss Management Association)coreStrategic or Co-development PartnerAsga developed three innovative pension solutions (AsgaSolid, AsgaExtra, AsgaTop) in close cooperation with the Schweizerischer Kaderverband and various professional associations, specifically designed for association members and self-employed professionals seeking 2nd pillar coverage.
• Cantonal Trade AssociationscoreChannel Partner/ Reseller/ DistributorPartner associations include: Gewerbeverband Kanton St. Gallen, Gewerbeverband Kanton Zürich, Gewerbeverband Kanton Thurgau, Gewerbeverband Kanton Graubünden, Gewerbeverband Kanton Appenzell Innerrhoden, Gewerbeverband Kanton Appenzell Ausserrhoden, Gewerbeverband Kanton Luzern, Gewerbeverband Kanton Solothurn, Wirtschaftskammer Baselland, AIHK Aargauische Industrie- und Handelskammer, and others who refer their members to Asga for pension solutions.
• Swiss AthleticsminorChannel Partner/ Reseller/ DistributorSwiss Athletics is among the professional associations that have signed up for association insurance, referring their members to Asga pension solutions.
• ErgotherapeutInnen-Verband Schweiz (Swiss Occupational Therapists Association)minorChannel Partner/ Reseller/ DistributorProfessional association whose members can access Asga association pension plans.
• Schweizer Berufsverband für Atemtherapie und MiddendorfminorChannel Partner/ Reseller/ DistributorSwiss professional association for Middendorf respiratory therapy whose members can access Asga pension solutions.
• Berufsverband swissnaildesign.chminorChannel Partner/ Reseller/ DistributorProfessional nail design association whose members can access Asga association pension plans.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Market position

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/asga-pensionskasse

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Asga Pensionskasse