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CSS Insurance

Mandatory basic insurance

Basic insurance is mandatory for everyone who is resident in Switzerland. It provides cover for the statutory basic benefits in case of illness, accident and maternity. CSS Group consists of three companies that offer mandatory health insurance (basic insurance): CSS, Arcosana and Intras.


Mandatory health insurance

The standard model is the default option for mandatory basic insurance. As the insured person, you are completely free to choose your own doctor within Switzerland, and can go straight to a specialist if you need to.

Standard model – free choice of doctor

Alternative insurance models

Alongside the standard model, we offer three alternatives that cover mandatory basic insurance. In return for a premium discount, you decide who you will contact first in health-related matters.

Basic insurance cover - your benefits

For basic insurance, you receive the same benefits under each of the four models. Basic insurance cover is also the same no matter which general health insurance company you choose.

Overview of benefits

Frequently asked questions

Why don't I pay the same premium when I move?

The Federal Office of Public Health defines the specific premium regions. Health insurance companies are obliged to accept this arrangement with respect to the basic insurance.

Health insurance premiums reflect the general costs of health care. In areas where many medical services are on offer, they are usually more often used. So in urban areas with many medical practices and specialised clinics, expenditure for health is higher than in rural areas where less doctors practise. The difference is substantial.

Is a retention fee charged for children who have basic insurance?

Yes. A retention fee of 10% is charged for children who have basic insurance until they reach the age of 18; the maximum amount charged per calendar year is CHF 350.