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CSS Insurance


CSS campaigns to prevent health costs from rising more sharply in the future. By assuming responsibility for their own health, patients play a significant role in reducing the rate of growth in health care costs. Switzerland's healthcare system has two main pillars through which patients can assume greater self-responsibility. On the one hand, there are alternative insurance models where insured persons undertake to follow the recommendations of their family doctor or doctors' network. On the other, self-responsibility can be strengthened by means of a sensible co-payment arrangement. The various levels of deductible, in particular, create an incentive to make savings, as was notably confirmed by the procedural requests approved by Parliament in 2016 and 2017. CSS advocates accepting more self-responsibility and opposes changes that limit the patients' scope for doing so.