CSS Health Insurance

CSS - Premium development

Age group

Premium calculation is based on a deductible rate of CHF 300 (deductible rate of CHF 0 in case of children) with inclusion of accidents. When selecting a canton, premium region 1 will be displayed. Not all insurances are on offer in every canton. Where a specific insurance is not available, the premium development view will remain empty.

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Experiences and questions regarding CSS in our forum

29/06/2015 from Deepak

CSS not giving dental insurance for my mother[Age : 72]

Dear all, I am having basic insurance from CSS for my mother, now I need dental insurance for her. But CSS are saying that they don't provide dental insurance after the Age 60. Is this normal or not ? Do you recommend any other insurance who covers this. More



0 comments | read 469 time(s)

07/11/2013 from Rachelle

tell-med, call-med...

Comparis needs to give details about the differences between the various insurance companies for the first-call options. This plan requires you to phone before going to the doctor. Price is not the only difference between plans. CSS (Intras etc...) is very different than the other insurances. They told More



0 comments | read 1,645 time(s)

25/11/2008 from Deepak

Dental insurance

Hello, I have basic insurance by CSS, but it does not cover dental treatments. What are the terms and conditions and expenses if I want to get insurance which covers dental treatment also. I want to get the braces in both of my jaws. More



2 comments | read 1,095 time(s)

16/09/2007 from ashehzi

Crown/Bridge & Root Canal Costs

Dear all, I am Anjum, working at CERN, Geneva. I have basic insurance for the whole family (myself, my wife and my baby). I am looking to buy supplementary health insurance for dental treatment of my wife. Despite whatever will be supplementary insurance to be paid per month, I want to have an idea More



2 comments | read 1,102 time(s)

Customer satisfaction with CSS

Competence and helpfulness of employees
Statements (clarity, prompt payment, goodwill etc.)
Clarity and comprehensibility of customer information
In 2017, comparis.ch conducted a representative survey on customer satisfaction with the Swiss health insurance companies in collaboration with the market research institution, GfK. A total of more than 2400 persons from all linguistic regions of Switzerland were surveyed. They rated the competence and commitment of the insurance employees, their satisfaction with the invoicing process, and the comprehensibility of customer information.
  • Mark 6.0 – 5.5: excellent
  • Mark 5.4 – 5.0: good
  • Mark 4.9 – 4.5: satisfactory
  • Mark 4.4 – 4.0: adequate
  • Mark 3.9 – 1.0: inadequate
All answers from one respondent about a provider are taken to calculate the total rating from the same respondent. A provider's final rating corresponds to the rounded mean value of all these total ratings. The final ratings as given by comparis.ch are based on the Swiss school grading system.

CSS - efficiency of administration

Administrative costs
3.4% of premiums

Collection of data 11/2017

When is a health insurance company efficient?
Health insurance companies are considered efficient
if their administrative costs are less than 4.2% of premiums.

CSS – company details

Reserves of the health insurer CSS
Number of policyholders
More information
Number of policyholders
Average number of policyholders in the previous year (basic insurance only).
847,318 837,201
Reserves in millions of CHF
More information
Reserves in millions of CHF
Including reserves for optional daily benefits insurance.
476.7 488.5
Minimum reserves in millions of CHF
More information
Minimum reserves in millions of CHF
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.
443.5 450.8
Solvency ratio
More information
Solvency ratio
The solvency ratio indicates the ratio between the existing reserves and the minimum amount.
comparis.ch displays the supervision data published by the FOPH. comparis.ch does not guarantee the accuracy of the data. Last updated: 28.09.2017

Corporate structure

CSS is part of CSS Holding AG. The CSS Group comprises CSS, Arcosana, Intras and Sanagate.

Benefits covered under basic insurance

The Health Insurance Act (KVG) defines the Swiss catalogue of benefits as insured by the health insurance companies.

Switching to CSS for basic insurance

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.

Area of activity

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.

How to contact CSS

CSS Kranken-Versicherung AG
Tribschenstrasse 21
Postfach 2568
6002 Luzern
Tel. 058 277 11 11
Fax 058 277 12 12

Request a no-obligation quote now

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