What’s new from 2026

Profit Family Doctor model now even more attractive

We have revised and improved the regulations for the Profit Family Doctor model. You will enjoy even more flexibility and have new opportunities from 1 January 2026. The changes are described here.

Your first point of contact: wide choice and easily accessible

Instead of your family practice, you can now choose a telemedicine family practice, regional health network or partner pharmacy as your first point of contact. This will be noted in your policy.

Can also be reached digitally

The telemedicine centre, the Well digital health app and pharmacies are available to you as additional first points of contact that can be reached quickly and easily.

Switch to telemedicine family practice if family practice no longer available

If your family practice closes due to retirement, for example, and you don't choose a new practice, we can put a telemedicine family practice on file for you as your first point of contact.

Benefits without co-payment

In future, the co-payment will be waived for certain benefits.

Treatment without notifying the first point of contact

The list of exceptions has been extended. This means: If physiotherapy, occupational therapy and speech therapy have been prescribed by a specialist, you no longer also need to consult your first point of contact.

Reporting an emergency

Emergencies must now be reported within ten days. This can be done via your first point of contact or the myCSS app.

Medication and aids

The duty to purchase lower-priced medicine has been extended to include 'biosimilars'. This step reduces benefit costs in the interests of all premium payers.

A list of where you can get value-for-money aids is available.

Simplified regulations

In addition to amending the content, the wording of some articles has been simplified.

Death or Disability Insurance: new GIC

We have amended some of the wording in the General Insurance Conditions (GIC) for (Accidental / Illness-Related) Death or Disability Insurance. You will find information below on the amendments that come into effect from 1 January 2026.

Please note: All amendments in relation to the legal entity 'CSS Life Insurance Ltd' and the risk carrier 'Helvetia Swiss Life Insurance Company Ltd' remain subject to approval by the Swiss Financial Market Supervisory Authority (FINMA).

For our new clients

If taking out a new (Accidental / Illness-Related) Death or Disability Insurance policy, you can see the applicable amendments in the following document.

For our existing clients

If you already have (Accidental / Illness-Related) Death or Disability Insurance, you can see the applicable amendments in the following documents. N.B.: Your insurance cover will not change, and you do not need to take any action.