CSS Group

The CSS Group was founded in 1899 and has its headquarters in Lucerne. It insures more than 1.6 million people and, with a premium volume of 6.5 billion Swiss francs, it is one of Switzerland's leading health, accident and property insurers. The CSS Group is the market leader in basic insurance. With 100 agencies and around 2,700 employees, the CSS Group is close to its customers throughout Switzerland.


The CSS Group consists of CSS Holding AG and its subsidiaries. CSS Holding AG is not listed on the stock exchange. It is subject to Swiss company law. The CSS Association is the sole shareholder of CSS Holding AG.

CSS Group

Companies offering basic insurance

Four companies within the CSS Group offer mandatory health insurance (basic insurance) under Swiss law. In addition to CSS Kranken-Versicherung AG, these are:

Companies offering basic insurance Arcosana Intras Sanagate

Companies offering supplementary insurance

CSS Versicherung AG and INTRAS Versicherung AG are responsible for providing supplementary insurance.


CSS was founded in 1899 as a self-help organisation under the name Christlich Soziale Schweiz (Christian Social Switzerland, CSS), in response to Pope Leo XIII's "Rerum Novarum" encyclical, which addressed the emergence of a proletariat from the labouring classes. At the time, CSS viewed its objectives as specifically Christian. There has been little change in its actual purpose in the intervening years: our healthcare system is still based on solidarity, one expression of which is the uniform premium. Regardless of their income, all insured persons have access to healthcare services. In today's world, the values on which CSS Insurance is built, such as the principles of solidarity and fairness, are perceived as separate from basic Christian precepts.