Here you can find information on customer satisfaction and learn what experiences other Comparis users had with the insurance company.
|5.1||Competence and helpfulness of employees|
|5.1||Statements (clarity, prompt payment, goodwill etc.)|
|4.9||Clarity and comprehensibility of customer information|
3.9% of premiums
Collection of data 11/2016
|Reserves of the health insurer CSS||2014||2015|
|Number of policyholders||847,318||837,201|
|Reserves in millions of CHF||476.7||488.5|
|Minimum reserves in millions of CHF||443.5||450.8|
CSS is part of CSS Holding AG. The CSS Group comprises CSS, Arcosana, Intras and Sanagate.
The Health Insurance Act (KVG) defines the Swiss catalogue of benefits as insured by the health insurance companies.
The law obliges the health insurance providers to accept every applicant into their mandatory health insurance; so anybody may switch to CSS irrespective of age or gender. However, attention should be given to the notification periods when changing one's insurance.
CSS offers mandatory basic insurance throughout Switzerland. In addition, CSS also offers HMO and family doctor models as well as a Telmed model. However, these alternative insurance models are not available everywhere in Switzerland. You can find out most easily if they are offered in your place of residence by making a premium comparison.
CSS Kranken-Versicherung AG
Tel. 058 277 11 11
Fax 058 277 12 12
Average number of policyholders in the previous year (basic insurance only).
Including reserves for optional daily benefits insurance.
Since 2012, the minimum amount of reserves has been determined based on a model that takes the insurance companies' individual risks into account (Health Insurance Act (KVG) solvency test, cf. Art. 78ff Health Insurance Ordinance (KVV)). Insurance companies whose reserves are below the minimum amount (solvency ratio < 100%) are subject to the old reserve requirements until 2016.
The solvency ratio indicates the ratio between the existing reserves and the minimum amount.