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CSS consolidated results at a glance

The CSS Group publishes a comprehensive annual report each spring and releases information on the Group and its individual companies' key results for the year.

Annual report

Group figures as at 31.12.2021

Figures in CHF thousands

CSS Group
Premiums earned for own account
6'551’570
Expenses for insurance claims for own account
-5'991’499
Operating expenses for own account
-493’353
Consolidated result
105’794
Claims ratio
90,8%
Cost ratio
7,5%
Combined Ratio 98,3%
Return on investment
5,2%
Insured persons
Number of insured persons (total) 1'679’867
Number of OKP insured persons as at 31.12.
1'472’223
Share of alternative insurance models (as % of all insured persons)
75,4%
Employees
Number of employees
2’679
FTEs
2’366
Training days
14’158
Fluctuation rate
4,8%
Number of agencies
99
KVG segment
Claims ratio
96,1%
Cost ratio
4,1%
Combined Ratio 100,2%
Result
-29’340
VVG/UVG segment
Claims ratio
69,7%
Cost ratio
21,1%
Combined Ratio 90,8%
Result
129’713

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