Mandatory cover
AVS/AI/APG 10% of net income (CHF 514/year minimum). Register with cantonal fund within 30 days. Family allowances if applicable. That's the entire legal requirement. LAMal continues separately.
Uncovered but critical
Three dangerous gaps: 1) Pro accidents — LAA only mandatory for employees, voluntary for self-employed. 2) Loss of earnings — sickness stops income. CHF 60-150/month policy. 3) LPP optional but essential.
Expanded 3a ceiling
Major advantage: if not in pillar 2, 3a ceiling rises to 20% of net income capped at CHF 36,288 (vs CHF 7,258 employee). CHF 100,000 net income → up to CHF 20,000 deductible.
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