875247940

Amendments for 2023

We have made changes to the regulations governing basic insurance and to certain points in the General Insurance Conditions for supplementary insurance. There are also a few general amendments that may affect you.

General amendments

Data Protection Act
The Federal Act on Data Protection (DSG) has been revised and is expected to enter into force in 2023. Therefore, we will therefore amend our data privacy policy in line with the new legal requirements.
Data protection
Counter payment fees
Swiss Post charges CSS for payments made at the post office counter. From March 2023, we will pass these charges on to you as applicable. Further details to follow in December.
Bills & payment
Psychological psychotherapy
A change in the law came into effect on 1 July 2022. Medically prescribed psychotherapy is now a benefit under basic insurance.
All about tariffs

Amendments to the regul­ations for basic insurance

No further changes other than the general amendments.

You can find the exact wording of the amendments to the regulations in the comparison table.

  • Additional first point of contact: you consult the Well Symptom Checker or call the telemedicine centre.
  • Treatment time frame: if the time frame for treatment is not long enough or if your treatment changes in any way then you must contact the telemedicine centre. You can also extend your treatment time frame yourself via myCSS before it expires.
  • Emergency treatment time frame: you have the option of entering the emergency time frame in myCSS.
  • Improvement of breach process: you benefit from the improved breach process as follows:
    • First breach: you receive a written reminder.
    • Second breach: you pay up to CHF 500.
    • Third breach: CSS may opt to transfer you to standard mandatory healthcare insurance.

You can find the exact wording of the amendments to the regulations in the comparison table.

  • Publication of regulations: brought in line with all other regulations regarding the insurer's duty to communicate.
  • Improvement of breach process: you benefit from the improved breach process as follows:
    • First breach: you receive a written reminder.
    • Second breach: you pay up to CHF 500.
    • Third breach: CSS may opt to transfer you to standard mandatory healthcare insurance.

You can find the exact wording of the amendments to the regulations in the comparison table.

  • Discounts for HMO (Health Mainte­nance Organisation Insurance): The regulations have been more precisely worded: the discount for the model is linked to the medical practice.
  • Improvement of breach process: you benefit from the improved breach process as follows:
    • First breach: you receive a written reminder.
    • Second breach: you pay up to CHF 500.
    • Third breach: CSS may opt to transfer you to standard mandatory healthcare insurance.

You can find the exact wording of the amendments to the regulations in the comparison table.

For daily indemnity cover under basic insurance:

You can now choose between two additional waiting periods (0 and 2 days). You can also insure a daily indemnity of up to CHF 10 (previously CHF 6).

Art. 28: There is no change to the content; the text has merely been simplified.

You can find the exact wording of the amendments to the regulations in the comparison table.

Amendments to General Insurance Conditions (AVB)

As of 1 January 2023, we will waive our right to terminate the insurance on contract expiry and in the event of a claim. This will offer you even better protection as a client in future. We have amended the General Insurance Conditions (AVB) accordingly.

You can find the exact wording of the amendments to the regulations in the comparison table.

1249785334

Personal advice

Get in touch for a personal consultation.