CSS - Intras Health Insurance

Health insurance provider

CSS - Intras - 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 - Intras

Forum entries Customer satisfaction Administrative efficiency Company details

Customer satisfaction and experience with CSS - Intras

good(5)

Evaluation criteria
Valuation basis
Comparis Rating

good(5)

Competence and helpfulness of employees

good(5.1)

Statements (clarity, prompt payment, goodwill etc.)

good(5)

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 - Intras - efficiency of administration

Administrative costs

4.6% 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 - Intras – company details

Reserves of the health insurer CSS - Intras	2019
Number of policyholders More information Number of policyholders Average number of policyholders in the previous year (basic insurance only).	178,585
Reserves in millions of CHF More information Reserves in millions of CHF Including reserves for optional daily benefits insurance.	201.6
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.	125.8
Solvency ratio More information Solvency ratio The solvency ratio indicates the ratio between the existing reserves and the minimum amount.	160.0%

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

About Intras

Intras was founded in 1964 in Geneva. In 2008 it was incorporated into the CSS Group.

Insurance benefits

The law stipulates which benefits a provider must cover in the mandatory basic insurance. This means that the coverage includes the same benefits with all health insurers.

Switching to Intras for basic insurance

For mandatory basic insurance, health insurance providers must accept all applicants without reservations and irrespective of age, gender or state of health. The so-called freedom to choose one's insurer applies. However, special attention should still be given to the notice periods.

Where is Intras active?

Intras offers mandatory basic insurance throughout Switzerland (standard model). Intras also offers alternative insurance models such as the family doctor, HMO or Telmed models. However, some of these are not available everywhere in Switzerland. You can find out most easily if Helsana offers an alternative insurance model in your place of residence and how much you would be able to save by making a premium comparison.