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All you need to know about CSS health insurance

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CSS contact information

Head office: CSS Kranken-Versicherung AG, Tribschenstrasse 21, Postfach 2568 - 6002 Luzern
Telephone:
E-mail:

All about CSS health insurance

Founded in 1899, CSS was originally a Christian-oriented self-help organization based in St. Gallen. Following the takeover of Accorda, CSS founded Arcosana SA, now owned by CSS Holding SA.
CSS offers a wide range of services. It includes private and professional insurance, focusing the majority of its products on health insurance such as basic and supplementary health insurance. CSS also offers more diverse cover such as travel, household and legal protection insurance.
Today, CSS is one of the majority insurers in Switzerland, with almost 1.6 million policyholders, 100 branches and over 2,700 employees.

What are the different opinions about CSS?

Overall opinion about CSS health insurance:

CSS ranks high in customer satisfaction rankings for the quality of its customer service as well as the clarity of its services. CSS has won numerous awards for its digital service, website and other services.

Customer service: CSS service review

CSS scores 5/6 for ease of communication and information

What is CSS health insurance's reservation rate?

In 2021, CSS reserves amounted to CHF 1'269.90 million, with a solvency ratio set at 244%.

How is the solvency ratio calculated?

SSC reserves (CHF million) Legal minimum reserves (CHF million) Solvency ratio
1'269.90 519.40 244%

What basic insurance models does CSS offer?

Standard model:

The CSS standard model offers you free choice of doctor throughout Switzerland. This is the insurance model that offers you the greatest flexibility.

Family doctor model:

With the CSS family doctor model, your doctor designated at the time of enrolment will be your main contact in the event of health concerns. This person will guide you as to what to do next.

Telmed model:

Based on a classic telemedicine model, in the event of health concerns, you are put in touch by telephone or from the Well app with the partner telemedicine center, which will guide you as to what to do next.

HMO model:

On the basis of a classic HMO model, you benefit from a doctor from the doctors' network or group practice who will be your main point of contact in the event of health concerns.

Multimed model:

With the Multimed model offered by CSS, you benefit from two healthcare partners: the Multimed family doctor and the telemedicine center. These two partners will be your privileged points of contact in the event of a health problem.

What are the different supplementary insurances offered by CSS?

MyFlex complementary outpatient insurance:

The myFlex complementary outpatient insurance offers you multiple coverages such as world coverage, a contribution towards orthodontic corrections in children as well as 90% coverage of drug expenses.

MyFlex supplementary hospital insurance:

MyFlex supplementary hospital insurance gives you a free choice of hospital throughout Switzerland, and of ward (general, semi-private or private). In addition, you'll benefit from worldwide coverage in case of emergency.

MyFlex complementary alternative medicine insurance:

The complementary alternative medicine insurance covers your alternative medicine treatment up to CHF 10,000 per year. You are free to choose specialists and recognized methods and benefit from direct consultations without a medical certificate.

Supplementary insurance for dental care:

Supplementary insurance for dental care covers the cost of check-ups, x-rays, fillings and tooth extractions, as well as braces and dentures, in varying amounts.

Insurance of treatment costs in the event of an accident:

You have a free choice of hospital throughout Switzerland, as well as of hospital ward (semi-private or private). You also benefit from worldwide coverage in the event of an emergency.

Accidental death or disability insurance:

You're covered for up to CHF 1,050,000 in the event of disability, and up to CHF 100,000 in the event of death. This coverage applies worldwide.

Insurance against death or disability due to illness

You are covered for up to 300,000 francs in the event of disability, and up to 100,000 francs in the event of death. This coverage applies worldwide.

How much does CSS health insurance cost?

For basic health insurance, rates range from CHF 379.50 to CHF 475.40 for an adult, depending on canton of residence, deductible and model chosen.
In the case of supplementary insurance for an adult, below are the different rates:

myFlex outpatient insurance

Supplementary insurance Monthly premium (CHF)
myFlex Economy 10.80
myFlex Balance 19.50
myFlex Premium 41.90

myFlex hospitalization insurance

Supplementary insurance Monthly premium (CHF)
myFlex Economy 11.40
myFlex Balance 46.90
myFlex Premium 123.20

myFlex Alternative Medicine Insurance

Supplementary Insurance Monthly Premium (CHF)
myFlex Economy 13.70
myFlex Balance 25.20
myFlex Premium 40.00

Rates for other CSS supplements:

Supplementary insurance Monthly premium (CHF)
Insurance of healing costs in the event of an accident 8.00
Dental care insurance 50.80
Insurance for death or disability due to accident 2.10
Insurance for death or disability due to illness 2.90

How to apply for CSS health insurance

Various CSS agencies are at your disposal to benefit from expert advice. You can also visit www.css.ch or call
Alexis Milon
Updated on: 01.02.2024Written by Alexis MilonHead of health insurance department at Comparea.
To learn more about our team click here.

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Frequently Asked Questions

If you have a complaint, you can contact a CSS advisor by telephone, visit a branch near you or directly online at