Avadis, which manages the business of the GEMINI Collective Foundation, has a Business Continuity Plan to ensure the critical business processes and to maintain the necessary infrastructure. In the event of a pandemic, this plan provides for a series of measures to minimize the risk of infection in the workplace and to maintain the necessary operations. These measures are also based on the general development of the situation and any guidelines issued by the authorities.

Due to the exceptional situation, it is possible that reaction times may be longer than you are used to from us. However, thanks to the measures taken, we are always in a position to ensure all business-critical processes and obligations.

Your contact persons are still available for you. You can reach us via the following channels:

• Customer support for insured persons in the work process: servicenot shown@geminito make live hard for spam bots.ch
• Questions regarding pension benefits as well as benefits in case of disability or death: leistungsdienstnot shown@geminito make live hard for spam bots.ch
• Requests for quotations and about our offer: vertriebnot shown@geminito make live hard for spam bots.ch

The payment process is basically structured as follows: A first reminder is sent out after the payment deadline stated on the invoice. This first reminder has a payment deadline of 20 days. After this period has expired, a second reminder follows with a payment target of 10 days. After this period, the debt collection is normally initiated.

Taking into account the Federal Council's decision of 18 March 2020, there is a ban on debt collection due to the extraordinary situation. No debt collection proceedings will be initiated until 4 April 2020. The deadlines for current debt collection proceedings will be suspended until 4 April 2020.

Until further notice, GEMINI waives its right to charge default interest of 5% in accordance with Article 104 of the Swiss Code of Obligations or Clause 11.9 of the Framework Regulations and to charge reminder costs. If the invoices cannot be paid within the set deadlines, please contact us or your broker.

According to a Federal Council decision, employers may temporarily use the employer contribution reserves they have built up to pay employee contributions to the occupational pension scheme. 

In the event of individual financial bottlenecks, please contact your broker or client advisor directly. Together we can work out a payment plan tailored to the situation.

A statement on the investment pools will be possible at the earliest in a few weeks after the results of March 2020 are available. Due to the extraordinary situation, we are unable to make any judgments regarding the change of investment strategies. The process for a change of strategy can still be carried out as of January 1st as well as once more within the year without costs implications.

The insured wage will remain the same as reported lately by the employer. Wages are therefore still insured, and short-time working has no effect on the insured wage.

There are no coverage restrictions due to the special situation. The provision of benefits in the event of illness in accordance with the framework regulations or the pension plan remains unchanged.