Head office Lucerne by night

Sanagate

Sanagate AG merged with Arcosana AG as of 1 January 2022. One year later Arcosana AG went on to merge with CSS Kranken-Versicherung AG. CSS Kranken-Versicherung offers insured persons identical insurance models and the same services as Arcosana.

The advantages for you with CSS Kranken-Versicherung

  • Low-cost basic insurance models.
  • Identical benefits to all other basic insurers – as prescribed by the Federal Health Insurance Act (KVG).
  • Useful services, such as the myCSS client portal and the active365 health platform.

Good to know

Mandatory
Everyone living or working in Switzerland must have basic insurance.
Same benefits
All health insurers pay the same benefits for illness, accident, and pregnancy and childbirth.
Switching insurance
You can switch basic insurance each year – cancel by the end of November.

Choose your basic insurance

Advice digitally or by phone

Telmed

  • Digitally or by phone – with the Well app and the telemedicine centre.
  • If necessary, you'll be referred to a doctor of your choice.
  • Go directly to an eye doctor, a gynaecologist, a dentist or a midwife.
  • Min. 10% premium discount.
Discover the advantages Calculate your premium
Recommendation

All the benefits of a doctors’ network

HMO model

  • A doctor you know and trust from your medical network or group practice is your main point of contact.
  • Go directly to an eye doctor, a gynaecologist, a dentist or a midwife.
  • Min. 14% premium discount.
Discover the advantages Calculate your premium

Ideal for high medical bills

Multimed

  • Reduced retention fee: just CHF 400 instead of CHF 700 a year.
  • You have two partners: the Multimed family doctor and the telemedicine centre.
  • Go directly to an eye doctor, a gynaecologist, a dentist or a midwife.
  • Min. 14% premium discount.
Discover the advantages Calculate your premium

Go directly to your family doctor

Family doctor model

  • The family doctor you know and trust is your main point of contact.
  • Go directly to an eye doctor, a gynaecologist, a dentist or a midwife.
  • Min. 10% premium discount.
Discover the advantages Calculate your premium

Free choice of doctor

Standard model

  • Free choice of doctor throughout Switzerland.
  • Make an appointment directly with a specialist.
Discover the advantages Calculate your premium
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Submitting bills

Checking, paying, submitting – it couldn't be easier.

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It’s easy to make the change

Without a health check: switch your current supplementary insurance to an equivalent myFlex product.

Here’s how
Reinigung der Wanderschuhe auf dem Balkon
Everything under control

You’ll find all the terms and conditions of insurance and regulations here. That way, you can keep a clear overview.

Find out more
The advantages for you

Good reasons to choose CSS

myCSS client portal
Doing everything digitally means you’ll never lose track.
Discover the advantages
Up to CHF 1,400 for you
We promote your health with up to CHF 1,400 per year.
Receive contribution
Health Shop
Make the most of attractive offers and top deals.
Save with enjoy365
24h medical care
Free advice day and night – even when you’re abroad. 
Well looked
Number 1
More than 1.6 million people trust CSS.
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Personal advice
2,700 employees are here for you and happy to help.
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