Occupational pension scheme

Say no to the pension gap!

Discover 'Pension': More than just a company pension plan – your personal digital pension adviser.
per month
More than 20,000 employees already trust us
Company pension plan, but modernized.

Diverse consultation

Online consultation for employees in several languages from personal experts or in self-service with our app.


Clear information about the conditions with all pros and cons for your team.

Individual offer

Offer per employee based on income, risk appetite and career planning.

Existing contract management

Management and integration of existing contracts into our infrastructure.

Easy management via Pension Cloud

The Pension Cloud enables HR to easily manage the pension program with automated administration, whereby sensitive data always remains exclusively with the employees.

Powerful & affordable
Get in touch with us for a detailed offer.
Calculate your offer now!
Net investment of an employee
Employer subsidy in%
Annual gross income
What is the monthly investment made up of?
Net investment
of the employee
Tax benefit for employees
Employer subsidy
Total investment in employee pensions
Additional monthly pension for employees in the future

- An average interest rate of 4%

- A savings period of 30 years

Monthly employer costs today
Employer contribution after savings in social security and taxes.

Relevant for an overall cost estimate: Only 20-30% of employees use the pension program.
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Based on your program design, we help you select 1-3 insurers so that your employees can choose the right offer.

Get advice now!
Your independent insurance advisor.
Quick & easy process
Flexibly choose the right product for your team!
First call with DEGURA

Create account

Define your provision program together with a solution consultant.

Second call with DEGURA

Get HR team on board

Onboarding your HR team and coordinating our communication with your employees.

From here on, we'll take over

Empower your people

Sync with your HRMS, then contact and advise your employees by DEGURA.

Autopilot is active

Your provision program is now running automatically

Flexibly adjust your provision program at any time, while maintaining full control and overview at all times.

Free opportunity check
Digital pension setup in 15 minutes
Let's go!