Mergers in the CSS Group
As a health partner, we are committed to modern health services and fair premiums. This means reacting to changes in the healthcare market and focusing firmly on the needs of our clients.
INTRAS Kranken-Versicherung AG and Sanagate AG are to merge with Arcosana AG. Following the merger, Arcosana AG will assume all of the rights and obligations of the other two companies. Persons insured with INTRAS and Sanagate will receive an offer for a similar insurance model with Arcosana.
INTRAS Versicherung AG is to merge with CSS Versicherung AG (subject to approval by FINMA). Following the merger, CSS Versicherung AG will assume all of the rights and obligations of INTRAS Versicherung AG. Supplementary insurance from INTRAS Versicherung AG will remain unchanged, however the insurer will then be CSS Versicherung AG.
You will enjoy more stable premiums in the long term. Less effort and money will be spent on administration, and we will have more time for customer service and quality.
INTRAS / Sanagate basic insurance:
Yes. Clients of Intras Kranken-Versicherung AG and Sanagate AG will be offered a similar insurance model with Arcosana AG when they receive the policy in October 2021.
Arcosana basic insurance:
No. Your basic insurance and chosen insurance model will remain in place. There will be no change to the insurance benefits.
INTRAS supplementary insurance products:
Your supplementary insurance and benefit cover will both stay the same. The only thing that will change as a result of the merger is the legal entity, which will become CSS Versicherung AG.
Yes. The premium is affected by many factors each year. The merger is just one factor. Others include how healthcare costs develop in each canton, the results achieved at cantonal level, the number of insured persons and the change in risk compensation, etc.
However, the merger will have a positive effect on premium stability in the long term. Risks will be spread over a larger number of insured persons. How you benefit.
No. Your client number will stay the same.
Your current policy will remain valid until the end of the year. You’ll receive the new policy for the 2022 insurance year in October 2021, as usual.
Yes, you can go on using myCSS. You will still find all your data and queries there.
Yes. Clients with basic insurance from INTRAS Kranken-Versicherung AG or Sanagate AG will receive a new insurance card by post by the end of December. Please use this from 1 January 2022. The card will also be displayed in myCSS from then on.