Business Model

1. Overview

PensionHelps operates as a digital insurance assistance platform focused on helping pensioners in Switzerland choose the most suitable insurance products. Our business model is built around providing clear comparisons, personalized recommendations, and high-value informational services delivered entirely online.

We streamline the decision-making process by offering structured, expert-based analysis through a simple and secure platform.

2. Value Proposition

Our platform delivers the following core value:

• Clear and objective insurance comparisons
• Personalized recommendations based on user needs
• Easy-to-understand explanations of policy features
• Support in navigating complex insurance structures
• Fast digital delivery and guided communication with insurers

We help users avoid confusion, misinformation, and improper coverage selection.

3. Revenue Model

Our revenue comes from:

3.1. Fixed-price service packages

We offer several tiers of digital services, such as:

• Basic insurance comparisons
• Detailed multi-plan evaluations
• Personalized recommendation reports
• Communication assistance with insurance providers

All packages are prepaid and processed through Stripe.

3.2. Optional premium services

These may include:

• Extended coverage analysis
• Document assistance
• Priority delivery
• Annual plan reviews

3.3. Affiliate or referral partnerships (optional)

Where allowed by Swiss law, we may cooperate with insurance providers and receive referral compensation without influencing the neutrality of recommendations.

4. Customer Segments

We serve:

• Pensioners (65+)
• People approaching retirement (55+)
• Family members helping elderly relatives
• Individuals seeking transparency in insurance plans
• Foreign retirees needing help understanding Swiss insurance options

Our services are designed to be accessible and easy to use for all levels of technical experience.

5. Service Delivery Model

The entire service process is digital:

  1. User selects a service package

  2. Payment is processed through Stripe

  3. User submits necessary information

  4. Our team analyzes the data and insurance options

  5. A digital report is generated and delivered via email

  6. Optional follow-up support is provided

This model ensures fast turnaround and minimal administrative burden for the customer.

6. Technology Infrastructure

We rely on:

• Secure cloud servers located in Switzerland/EU
• SSL encryption for all data transfers
• Encrypted storage for sensitive information
• Automated workflow tools for analysis and reporting
• Stripe for PCI-DSS Level 1 secure payments
• Internal monitoring and security protocols

Our platform is designed with confidentiality and data protection in mind.

7. Cost Structure

Our main operational costs include:

• Professional insurance specialists
• Hosting and infrastructure costs
• Cybersecurity and data protection tools
• Stripe transaction fees
• Customer support team
• Administrative and operational overhead
• Continuous platform updates and service expansion

The digital-first model keeps expenses low and efficiency high.

8. Key Partnerships

We collaborate with:

• Swiss insurance providers (for plan data only)
• IT hosting and infrastructure partners
• Payment provider Stripe
• Legal advisors (for compliance checks)

All partnerships ensure accuracy, compliance, and reliable service delivery.

9. Competitive Advantages

• Designed specifically for pensioners
• Fast and easy-to-understand process
• Independent and unbiased insurance comparisons
• Transparent, fixed pricing
• Fully digital delivery
• Secure handling of sensitive information
• Supportive and professional customer assistance

10. Long-Term Strategy

Our long-term objectives include:

• Expanding coverage into more insurance categories
• Introducing multilingual support
• Developing automated comparison tools
• Offering recurring annual review packages
• Increasing data integration with insurance providers
• Building a fully personalized retirement insurance assistant

We aim to become the leading online partner for pensioner insurance selection in Switzerland.