The cost of medically prescribed medication on the Specialty List is covered by mandatory healthcare insurance (basic insurance), less the appropriate co-payment.
When you send in an invoice, your co-payment share is deducted before it is reimbursed. It is made up of the annual deductible and the 10% retention fee (residual costs once the deductible has been taken away are capped at CHF 700 per year, or CHF 350 per year for children).
A 20% retention fee applies to medication (both original preparations and generics) if its price exceeds the average price of the cheapest one-third of all medicines with the same active ingredient by at least 10%. The higher retention fee will not be charged if an original preparation is crucial for medical reasons. In such situations, CSS requires a medical certificate from the attending doctor.