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CSS Insurance

Promoting personal responsibility

CSS sees products and offers that recognise an individual’s healthy behaviour (e.g. with the help of apps) as a viable way in which to promote self-responsibility. This applies in particular to supplementary insurance. As far as basic insurance is concerned, the following criteria must be observed if the principle of solidarity and risk equalisation is not to be undermined: The offer must be voluntary and may only be made in connection with alternative insurance models that are taken out voluntarily. In this context, it must be made available to all insured persons regardless of their age or state of health, and it must bring benefits to everyone involved. Health-conscious behaviour must not be rewarded through additional premium discounts or other benefits in kind. A reward in the form of a reduction in the co-payment if any benefits are drawn constitutes the one exception.