What’s new from 2027
These are the key amendments applying from 1 January 2027. The information that's important to you depends on your insurance.
Basic insurance:
new option for Health Maintenance Organisation Insurance
From 1 January 2027, you can also choose a telemedicine family practice as your first point of contact under Health Maintenance Organisation Insurance (HMO model). This option is particularly useful if you don't have a personal family practice, your current practice closes down, or no family practice is available in your region.
Depending on your problem, you'll receive advice by phone or video call, or a referral to a doctor close to you. Telemedicine advice is provided by Medi24 or Medgate. A deductible and a retention fee apply for medical consultations.
Supplementary insurance:
amendment of documents
Amended Supplementary Conditions (ZB) and/or General Insurance Conditions (AVB) apply for various supplementary insurance products from 1 January 2027. The most important changes are:
- Termination right after change of residence
If your change of residence means that you'll pay a higher premium for your supplementary insurance, you may terminate the product in question. - More precise terms and Emergency Centre
The terms "illness" and "accident" have been defined more precisely. The evaluation of fitness for transport after an emergency abroad and how the Emergency Centre works have also been described in more precise terms. This is for the sake of clarity and corresponds to previous practice. - Data privacy notice
A notice regarding the processing of your data by CSS was adjusted to comply with the legal provisions. This is for the sake of clarity and corresponds to previous practice. You can find further information in the privacy policy.
Affected supplementary insurance and documents
The name of your supplementary insurance is stated on your policy for 2027. If you search for the same product name in the alphabetic overview, you'll see which changes apply to your supplementary insurance.
