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CSS Insurance

The CSS Group at a glance

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

Group figures as at 31.12.2016

Amounts in million francs

Earned premiums for own account 5855
Claims and benefit expenses for own account
– 5377
KVG risk compensation 101,3
Net result 98,1
of which KVG 27,9
of which VVG 69,6
of which other 0,6
Investment performance 3,7 %
Claims ratio1 KVG 95,7 %
Cost ratio2 KVG 4,2 %
Combined Ratio3 KVG 99,8 %
Combined Ratio3 VVG/UVG 93,7 %
Number of insured persons 31.12.16 1 655 733
Number of KVG insured persons* 31.12.16 1 327 559
Number of OKP 31.12.16 479 320
Number of HMO insured persons 31.12.16
228 577
Number of Family doctor insured persons 31.12.16
415 925
Number of Telemedecine model Callmed 31.12.16 203 737
Number of employees 2703

*  As at 1 January 2017, CSS had gained 18 009 insureds for mandatory basic insurance cover by comparison with 1 January 2016.

1  Administration costs as a percentage of premiums
2
  Administration costs as a percentage of premiums
3
  Insurance expense and administration costs as a percentage of premiums