AROMED

What AROMED does

AROMED is a Swiss non-profit occupational pension foundation (Fondation de prévoyance professionnelle) established in 2001, building on an association founded in 1999 by physicians in French-speaking Switzerland (Romandy). It provides BVG/LPP-compliant mandatory and supplementary pension coverage to self-employed and employed physicians, dentists, and veterinarians in the region, with no commercial profit motive.

The foundation offers three pension plans: SMARTMED (a modular product with flexible savings and risk modules), Equilibre Sécurité (a startup solution for physicians under 50 that allocates 7% of savings to equities), and Aromed Free, scheduled for launch in 2026 as a collective solidarity solution. As of December 31, 2025, AROMED manages CHF 980 million in total assets across 1,584 insured persons (1,478 active and 106 pensioners), with a coverage degree of 111.8%, a 3% interest rate on retirement savings, and an average 5-year portfolio return of 2.65%. Reinsurance is provided by La Mobiliare (disability and death risks) and Retraites Populaires (old-age pensions), and day-to-day pension administration is outsourced to Argos Pension SA on technology infrastructure that includes the XPlan-based MyAromed member portal and data processing by aXenta AG.

The business model is contribution-based: members and employers fund pensions through mandatory BVG contributions, and the foundation reinvests returns to the collective pool rather than distributing profit. Distribution relies on direct online enrollment, the membership channel of the Association Romande des Médecins, and a multi-carrier ecosystem (Baloise, Zurich, Helsana, SWICA, Dextra, Visana) offering complementary insurance products. AROMED operates with approximately 8 staff members and has built a 25% market share among self-employed physicians in Romandy over 25 years of operation.

Name

AROMED

Legal name

Association Romande des Médecins

Website

https://aromed.ch

Company type

Private

Founded year

1999

Operating status

Operating

Headcount range

1–10 employees

Short description

AROMED is a Swiss non-profit occupational pension foundation serving physicians, dentists, and veterinarians in French-speaking Switzerland (Romandy), managing CHF 980 million in pension assets for 1,584 insured members as of December 2025.

Ownership category

akta.pro rank

Product category

Occupational Pension Services

NAICS

Pension Funds (525110), Pension Funds (52511)

SIC

Life Insurance (6311)

akta.pro primary industry

Employer Retirement Plan Advisory (401(k)/Pension) (FSAEABAE)

Keywords

• Occupational pension services
• Pension fund management
• Medical professional benefits
• Swiss pension foundation
• Disability insurance coverage

Headquarters

HQ city

Gland, Vaud

HQ country

Switzerland

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Occupational Pension Contributions: AROMED is a non-profit foundation that provides occupational pension (LPP/BVG) coverage for physicians, dentists, and veterinarians in Swiss Romandy. Revenue consists of mandatory employer and employee/independent contributions as defined under Swiss pension law. The foundation does not generate commercial profit; surplus earnings are redistributed to members via interest credits and enhanced benefits.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels7 records

Core offering

AROMED is a Swiss non-profit occupational pension foundation (LPP/BVG compliant) and association serving physicians, dentists, and veterinarians in French-speaking Switzerland. It offers mandatory and voluntary occupational pension coverage including retirement savings, disability, death, and survivor benefits, along with supplementary insurance products (professional liability, loss of earnings, cyber, legal protection, supplementary health) brokered through partner insurers and wealth management partners.

Product overview

AROMED is a Swiss pension foundation for physicians consisting of two main entities: the Association AROMED (founded 1999, a non-profit providing training and professional development for 1,500+ medical professionals) and the Foundation AROMED (established 2001, providing LPP-compliant occupational pension solutions). The core product is the occupational pension foundation offering retirement, disability, and death benefits. Key products include SMARTMED (a flexible modular pension plan for self-employed physicians), the Plan Équilibre Sécurité (startup plan for physicians under 50), and retirement benefits with flexible capital or annuity options. Aromed Free is a new collective solution launching in 2026. The foundation also offers supplementary insurance products through partners: professional liability (Baloise, Zurich), loss of earnings (Helsana, SWICA), cyber insurance (Baloise), legal protection (Dextra), and supplementary health insurance (Helsana, Visana), plus banking services (UBS, KREDO, Mirabaud).

Differentiator

Problem solved

Functional benefit

Brands

• Aromed Free: A collective pension solution launched to reinforce solidarity and protection within the medical community, effective from 2026.
• SMARTMED

Products and services

• Fondation AROMED (AROMED Pension Foundation) Occupational pension foundation (LPP/BVG compliant) providing professional retirement, disability, and death benefits for physicians, dentists, and veterinarians in French-speaking Switzerland. Established in 2001 with CHF 980 million in total assets and 1,584 insured persons.
• Association AROMED Non-profit association providing training, information, and professional development services for medical, dental, and veterinary professionals, with over 1,500 members in Swiss Romandy.
• SMARTMED

Quantifiable outcome

• 25% market penetration among self-employed physicians in Swiss Romandy
• +4 more outcomes

Named customers1 record

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Nine partnerships are on record, tiered core and minor.

• Baloise (Basler Versicherung)coreStrategic or Co-development PartnerBaloise provides professional liability insurance (Haftpflichtversicherung) and cyber insurance to AROMED members through collective framework contracts with preferential conditions. Available for all medical specialties including plastic surgeons and gynecologists.
• Zurich InsurancecoreStrategic or Co-development PartnerZurich offers professional liability insurance solutions to AROMED members through collective contracts, providing coverage for medical errors, diagnosis issues, and treatment choices.
• HelsanacoreStrategic or Co-development PartnerHelsana provides income replacement insurance (Tagegeldversicherung) and supplementary health insurance (Krankenzusatzversicherungen) to AROMED members. Products include disability income coverage up to CHF 400,000 and supplementary health insurance.
• SWICAcoreStrategic or Co-development PartnerSWICA offers competitive income replacement insurance products to AROMED members with freely selectable coverage amounts up to CHF 400,000 and guaranteed premium rates for up to 3 years.
• VisanaminorStrategic or Co-development PartnerVisana provides supplementary health insurance products (Krankenzusatzversicherungen) to AROMED members, offering pricing advantages for physicians and their families.
• DextracoreStrategic or Co-development PartnerDextra provides legal protection insurance (Rechtsschutzversicherung) to AROMED members with worldwide coverage for disputes including TARMED-related conflicts and tax law matters.
• La MobiliarecoreStrategic or Co-development PartnerLa Mobiliare reinsures disability and death risk for AROMED pension beneficiaries, ensuring guaranteed benefit payments.
• Retraites PopulairescoreStrategic or Co-development PartnerRetraites Populaires reinsures old-age pension (rente viagère) for AROMED beneficiaries, providing lifetime annuity guarantees.
• Argos Pension SAcoreTechnology or IntegrationArgos Pension SA is responsible for the direction and management of the AROMED foundation, handling day-to-day pension administration.

Scale indicators7 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Profond Vorsorgestiftung: Swiss multi-employer pension foundation covering multiple professional groups; comparable to AROMED in structure (employer-affiliated membership, BVG/LPP governance) but broader in sector scope and substantially larger AUM.
• ASGA Pensionskasse: Swiss occupational pension foundation offering BVG/LPP solutions to multiple affiliated employers across Swiss sectors. Shares AROMED's foundation model, regulatory framework and product-set philosophy, differing mainly in target employer industries.
• Tellco Vorsorge: Swiss multi-employer pension foundation providing occupational pensions to multiple affiliated companies; comparable to AROMED's foundation governance and BVG/LPP product design, though serving a broader employer base.
• PKE Pensionskasse: Swiss multi-employer occupational pension foundation serving the energy and related industries. Operates a BVG/LPP-compliant foundation with similar governance and reinsurance-driven risk transfer to AROMED, but serves a different professional vertical.
• Publica: Federal pension fund of the Swiss Confederation. Operates as a large-scale occupational pension foundation under BVG/LPP with paritarian governance akin to AROMED, but at materially greater scale and across federal employee populations.

Broad incumbents

• Bâloise: Major Swiss insurance group offering BVG/LPP group pensions alongside P&C and life insurance. Already an AROMED partner for professional liability/cyber products, but operates its own competing pension foundations at materially larger scale.
• Swiss Life: Switzerland's largest life insurance and pension provider, operating both group insurance pensions and semi-autonomous Sammelstiftungen. Overlaps with AROMED on BVG/LPP retirement provision but competes from a much larger, more diversified product portfolio.
• AXA Switzerland: Large Swiss insurance carrier offering full life, health and occupational pension products. Competes with AROMED for physician pension business through group insurance contracts while operating broader insurance lines.
• Allianz Suisse: Swiss arm of the global Allianz group, offering life insurance and BVG/LPP pension solutions. Overlaps with AROMED on occupational pension provision but competes from a much broader insurance and asset-management platform.
• Helvetia Insurance: Swiss insurance group with BVG/LPP pension offerings and supplementary health products. Comparable to AROMED's product ecosystem through pension and health coverage, but at much greater scale and broader market scope.

Market position

Strengths5 records

Weaknesses6 records

Competitive moat6 records

Key risks7 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/aromed

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

Subsidiaries1 record

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 AROMED