CSS Health Insurance

Health insurance provider

CSS - Premium development

Canton

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.

More about CSS

Forum entries Customer satisfaction Administrative efficiency Company details

Customer satisfaction and experience with CSS

good(5.1)

Evaluation criteria
Valuation basis
Comparis Rating

good(5.2)

Competence and helpfulness of employees

good(5.1)

Statements (clarity, prompt payment, goodwill etc.)

good(5.1)

Clarity and comprehensibility of customer information

In 2019, comparis.ch conducted a representative survey on customer satisfaction with the Swiss health insurance companies in collaboration with the market research institution, «Intervista». A total of more than 2800 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

National winner

Administrative costs

2.9% of premiums

Collection of data 10/2019

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	2019
Number of policyholders More information Number of policyholders Average number of policyholders in the previous year (basic insurance only).	842,321
Reserves in millions of CHF More information Reserves in millions of CHF Including reserves for optional daily benefits insurance.	780.9
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.	496.0
Solvency ratio More information Solvency ratio The solvency ratio indicates the ratio between the existing reserves and the minimum amount.	157.0%

comparis.ch displays the supervision data published by the FOPH. comparis.ch does not guarantee the accuracy of the data. Last updated: 24.09.2019

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.