PAT BVG

What PAT BVG does

PAT BVG (Personalvorsorgestiftung der Ärzte und Tierärzte PAT-BVG) is a Swiss occupational pension foundation established in 1984 and headquartered in St. Gallen, with an additional office in Bern housing its real estate division (Ressort Immobilien). The foundation exclusively serves medical and paramedical professionals — physicians, veterinarians, dentists, chiropractors, and related self-employed and employed members of the Swiss healthcare sector — providing mandatory BVG occupational pension coverage plus supplementary benefits. As of March 31, 2026, the foundation manages CHF 9 billion in actively invested pension assets, serves 35,611 active insured persons, and totals 40,359 beneficiaries, supported by a 48-employee team across both locations.

The foundation's product platform centers on the PAT BVG Pensionskasse core offering, augmented by two digital portals: PAT-Online for employers (handling enrollments, contributions, and reporting) and myPAT for active insured persons (account access and retirement planning). Adjacent modules include the Beitragsrechner (contribution calculator), Unterbruchsversicherung (interruption insurance for sabbaticals and career breaks), specialized pension solutions for employers, self-employed professionals, and employees, as well as the Renée chatbot for automated customer support and the Geld & Pfeffer podcast for member education. The partnership ecosystem includes medisuisse, Die Ärzteversicherung (DAEV), the Schweizerische Zahnärzte-Gesellschaft (SSO), and the Ärzteversicherung MediPlan product. Distribution occurs through a regional network of consulting partners spanning all Swiss cantons, supported by direct office support and digital self-service channels, with the foundation's 112.1% estimated coverage ratio and 5.5% interest crediting rate as of March 2026 signaling financial stability.

PAT BVG is structured as a private foundation (Stiftung) with no shareholders; surpluses from pension operations are reinvested exclusively for the benefit of insured members, in line with Swiss BVG governance norms. The foundation is governed by a Stiftungsrat elected by member organizations, with Christine Holstein serving as current Geschäftsführerin (CEO) following a 2024 leadership transition. The organization is physician-founded, has no parent company, and operates exclusively within Switzerland with a multi-language web presence in German, French, and Italian. Revenue mechanics consist of recurring pension contributions from employers and employees (the primary stream) supplemented by administrative fees for plan management services; exact financial figures are not publicly disclosed given the foundation's nonprofit governance structure.

Name

PAT BVG

Legal name

Personalvorsorgestiftung der Ärzte und Tierärzte PAT-BVG

Website

https://pat-bvg.ch

Company type

Private

Founded year

1984

Operating status

Operating

Headcount range

11–50 employees

Short description

PAT BVG is a Swiss occupational pension foundation founded in 1984 that provides mandatory BVG and supplementary pension coverage exclusively to physicians, veterinarians, dentists, and other medical professionals, managing CHF 9 billion in pension assets across 40,000+ beneficiaries via employer and member digital portals.

Ownership category

akta.pro rank

Product category

Occupational Pension Fund Services

NAICS

Pension Funds (525110), Pension Funds (52511)

akta.pro primary industry

Pensions & Retirement Benefits Administration (BPAIAKAA)

akta.pro secondary industry

Pension Master Trusts, Superannuation & Provident Funds (FSAAAGAB)

Keywords

• Occupational pension fund
• BVG pension solutions
• Medical professional pensions
• Pension fund administration
• Supplementary pension plans

Headquarters

HQ city

Gallen

HQ country

Germany

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Pension contributions: Pension contributions from employers and employees constitute the primary revenue stream. Contributions are calculated as a percentage of insured salary and invested in the collective pension fund.
2. Administrative fees: Administrative fees charged for pension plan management, covering enrollment processing, account administration, and retirement processing services.

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

PAT BVG operates a collective occupational pension foundation (Personalvorsorgestiftung) providing mandatory BVG (Bundesgesetz über die berufliche Vorsorge) coverage and supplementary pension solutions exclusively to physicians, veterinarians, dentists, chiropractors, and other medical and paramedical professionals in Switzerland. The foundation manages roughly CHF 9 billion in pension assets across approximately 35,611 active insured members and 40,359 total beneficiaries, delivering enrolment, contribution administration, retirement, disability, and death-benefit processing through employer and member digital portals supported by a regional consulting partner network.

Product overview

PAT BVG operates as a unified pension fund platform for medical professionals, combining core BVG (occupational pension) coverage with digital service modules. The core offering is the PAT BVG Pensionskasse, supported by two primary digital portals: PAT-Online for employers and myPAT for insured persons. Additional modules include the Beitragsrechner (contribution calculator) for financial planning, Unterbruchsversicherung (interruption insurance), and specialized pension solutions for employers, self-employed individuals, and employees in the medical sector. The platform also features the Chatbot Renée for automated customer support and the Geld & Pfeffer podcast for client education. The architecture combines a traditional pension fund foundation with modern digital service delivery.

Differentiator

Problem solved

Functional benefit

Brands

• PAT-Online: Digital portal for employers to manage pension-related tasks and reporting.
• myPAT
• Renée

Products and services

• PAT BVG Pensionskasse (Mandatory + Supplementary Occupational Pension) Core occupational pension fund (Personalvorsorgestiftung) delivering mandatory Swiss BVG coverage plus supplementary pension plans for physicians, veterinarians, dentists, chiropractors, and other medical and paramedical professionals and their employees.
• Vorsorgelösungen für Arbeitgebende (Pension Solutions for Employers) Modular, flexible pension coverage options tailored for medical-sector employers (medical practices, clinics, hospitals, and healthcare organisations), enabling them to enrol employees in mandatory and supplementary occupational pension coverage.
• Vorsorgelösungen für Selbständigerwerbende (Pension Solutions for Self-Employed) Voluntary, modular pension plans for self-employed medical professionals (doctors, veterinarians, dentists, chiropractors), enabling direct affiliation with PAT BVG outside of any employer arrangement.
• Vorsorgelösungen für Arbeitnehmende (Pension Solutions for Employees) Pension benefits packaged for employees working in medical practices, healthcare facilities, and related organisations, covering retirement, death, and disability benefits.
• Unterbruchsversicherung (Work Interruption Insurance) Insurance coverage allowing policyholders to take breaks from pension contributions for travel, education, sabbaticals, or personal reasons while maintaining pension continuity.

Quantifiable outcome

• 112.1% coverage ratio (estimated) as of March 31, 2026, indicating strong financial stability
• +2 more outcomes

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Four partnerships are on record, tiered moderate and core.

• medisuissemoderateOthersmedisuisse is a related organization in the Swiss medical insurance sector. Both PAT BVG and medisuisse display their logos on each other's platforms, indicating a collaborative relationship serving the medical professional community.
• Die Ärzteversicherung (DAEV)moderateOthersDie Ärzteversicherung (Swiss Physicians Insurance) is a related insurance organization serving Swiss doctors. PAT BVG and Die Ärzteversicherung cross-display logos, suggesting a collaborative ecosystem serving the medical profession.
• SSO (Schweizerische Zahnärzte-Gesellschaft)coreStrategic or Co-development PartnerSchweizerische Zahnärzte-Gesellschaft SSO is a Swiss dental association. PAT BVG welcomed SSO as a new member organization, expanding its reach to dental professionals.
• Ärzteversicherung (VA) MediPlanmoderateStrategic or Co-development PartnerThe MediPlan payment plan by the Ärzteversicherung allows retired PAT BVG members to invest their retirement capital in a secure plan with regular payments at a 2.5% interest rate.

Scale indicators7 records

Recent moves7 records

Expansion highlights5 records

Market position

Competitive moat4 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/watch?v=_1MHk3eGU2k&feature=youtu.be
• LinkedInlinkedin.com/company/personalvorsorgestiftung-der-%C3%A4rzte-und-tier%C3%A4rzte-pat-bvg

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 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 PAT BVG