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Switching to new CSS supplementary insurance.

You can change to any of the myFlex supplementary insurance plans and to Dental Insurance and Daily Indemnity Insurance as of 1 January each year, without any form of health check. To be eligible, your current insurance must feature in the table below.

Please note: if you want higher cover than before under the new supplementary insurance, then we will have to check your state of health.

Table for switching from former Sanagate insurance products

Sanagate versions
Transfer option
Minima Outpatient Insurance
myFlex Economy Outpatient Insurance
Optima Outpatient Insurance
myFlex Economy or Balance Outpatient Insurance
Minima Hospitalisation Insurance
myFlex Economy Hospitalisation Insurance
Optima Hospitalisation Insurance
myFlex Economy or Balance Hospitalisation Insurance
Alternative Insurance
myFlex Alternative Insurance, Economy or Balance
Dental Care Insurance
Dental Care Insurance AVB 1997 (same or earlier version)
Illness-Related Lump Sum Death or Disability Insurance Accidental Death or Disability Insurance (same or earlier version)
Accident-Related Lump Sum Death or Disability Insurance Illness-Related Death or Disability Insurance (same or earlier version)

Switching table for CSS products

CSS product Transfer offer
Semi-private Hospitalisation Insurance myFlex Hospitalisation Insurance Balance
Standard Plus Insurance myFlex Hospitalisation Insurance Premium
Private Hospitalisation Insurance myFlex Hospitalisation Insurance Economy
myFlex Outpatient Insurance Balance
Hospital Room Insurance myFlex Economy Hospitalisation Insurance
myFlex Economy Dental Care Insurance Dental Care Insurance
Available options:
50%, max. CHF 1,000
myFlex Balance Dental Care Insurance Dental Care Insurance
Available options:
75%, max. CHF 3,000
50%, max. CHF 1,000
75%, max. CHF 2,000 (bonus level 4)
myFlex Premium Dental Care Insurance Dental Care Insurance
Available options:
75%, max. CHF 3,000
75%, max. CHF 5,000, deductible CHF 500
50%, max. CHF 1,000
75%, max. CHF 2,000 (bonus level 4)
Hospital treatment costs myFlex Economy Hospitalisation Insurance
Hospital costs myFlex Economy Hospitalisation Insurance
Hospital20 myFlex Economy Hospitalisation Insurance
Hospital30 myFlex Economy Hospitalisation Insurance

Switching table for INTRAS products

INTRAS product Transfer offer
CASA myFlex Outpatient Insurance – Economy or Balance
UNO+ myFlex Outpatient Insurance – Economy or Balance
myFlex Economy Hospitalisation Insurance
myFlex Alternative Insurance Economy
DUE+ myFlex Outpatient Insurance – Economy or Balance
myFlex Economy Hospitalisation Insurance
myFlex Alternative Insurance Economy or Balance
BASIC myFlex Economy Hospitalisation Insurance
Flexima myFlex Economy Hospitalisation Insurance
Accommodation costs myFlex Economy Hospitalisation Insurance
Hospital treatment costs myFlex Economy Hospitalisation Insurance
OPTIMA+ halbprivat myFlex Balance Hospitalisation Insurance
OPTIMA+ privat myFlex Premium Hospitalisation Insurance
QUADRA+ halbprivat myFlex Balance Hospitalisation Insurance
QUADRA+ privat myFlex Premium Hospitalisation Insurance
SANFIT myFlex Alternative Insurance – Economy, Balance or Premium
DENTA Dental Care Insurance
Available options:
75%, max. CHF 3,000
75%, max. CHF 5,000, deductible CHF 500
50%, max. CHF 1,000
75%, max. CHF 2,000 (bonus level 4)
ECODENTA Dental Care Insurance
Available options:
50%, max. CHF 1,000
75%, max. CHF 2,000 (bonus level 4)
Individual supplementary insurance paying a daily indemnity if you are unable to work Daily Indemnity Insurance

Do you have any further questions?

We would be happy to take the time to advise you personally. Of course, we can also send you a direct quote with no obligation.

Frequently asked questions

Why are Sanagate and CSS merging?

Sanagate has been part of the CSS Group ever since it was founded. But in future, Sanagate and CSS will collaborate even more closely. This affects consultations at our network of agencies, Client Services, benefit statements and our IT, for example. The merger will allow you, the client, to benefit from the strengths of CSS, while we can continue to offer attractive premiums.

Will my premium change following the merger?

No, your premium for the current year will not change due to the merger. By moving closer together, we can work even more efficiently and thus keep administration costs low. Which means premiums will stay attractive for you in future too. As always, premium adjustments for next year will be announced in autumn following the usual processes. Premiums mainly change in line with the trend in healthcare costs in Switzerland.

Where can I get information about the merger of Sanagate and CSS?

If you have specific questions about the merger, you can call the dedicated helpline on 0800 277 000.

Where can I get information about myGuide (formerly PocketDoc)?

If you have any questions about myGuide, please contact us on 0844 277 397.

What number can I reach Medgate on?

To get through to Medgate directly, you should now call +41 58 277 77 77.

I have a question about my insurance. How do I reach Customer Support?

You can reach our Customer Support team on 0844 277 277.

How can I get in touch with my own personal client advisor?

You’ll find your personal client advisor’s details in your client portal from 5 August. If you don’t have access to the client portal, please give our Contact Centre a call on 0844 277 277.

Do I need to contact my own personal client advisor first every time I have a query?

No. Your personal client advisor is available to you as and when needed.

If you have a login for the client portal, you can continue to submit your queries and requests as usual via myCSS.

If you don’t have access to the client portal, you can reach us by emailing info@css.ch or by phoning 0844 277 277.

Will I be given a new client number following the merger?

It is possible that you will be allocated a new client number. If so, you will receive it along with your insurance card by mid-August at the latest. But don’t worry: you don’t need the client number when you go to see a doctor, and the old insurance card remains valid until you receive the new one.

Will I receive a new policy following the merger?

There will be no change to your insurance cover or the level of your premium because of the merger between Sanagate and CSS. In other words, your current policy, i.e. your insurance contract, remains valid throughout 2020. You’ll receive the new policy for next year in October as usual.

I’ve been told that I’m to receive a new insurance card. When will I get it?

The new insurance card will be sent to you in mid-August by post. You’ll be able to see the insurance card in the myCSS client portal as soon as it has been dispatched. Once you’ve received it, please start using this new card and destroy the old one.

I’ve received a second insurance card. Which card is valid?

The card that you received in mid-August is the valid insurance card. You can also see which is the current card by looking in myCSS.

Will I now only get one premium / benefit statement? Why am I still receiving two bills even though Sanagate and CSS have now merged?

If you have taken out both basic and supplementary insurance within the CSS Group (CSS, Arcosana, Intras and Sanagate), you will continue to receive separate bills up until the end of the year. From the start of next year, the process will be simplified and you’ll find all the details clearly laid out on a single bill.

Do I have to resend all the refund forms that I submitted before 3 August 2020?

No, you don’t have to resubmit any bills you’ve already sent either by post or digitally.

Can I also use the CSS myStep programme?

myStep is available to you only if you have the corresponding supplementary insurance with CSS.

Can I still use PocketDoc?

PocketDoc is now called myGuide. The functionalities of myGuide are exactly the same as those of PocketDoc – the only thing that’s different is the name, and you can continue to use the service as before. What’s more, the myGuide app comes with additional integrated services like online sleep training, skin checks and preventive care recommendations, etc.

Most of the offers in the «kleine Handbuch» brochure are included in the Health Account. How do I get access to the Health Account?

You can benefit from the Health Account offers by taking out the corresponding supplementary insurance. Depending on which Hospitalisation Insurance you choose, you’ll receive the Economy, Balance or Premium level. If you already have one or more supplementary insurance plans with Sanagate, you can switch to an equivalent product from CSS Versicherung AG’s myFlex range without having to undergo a health check. Visit www.css.ch/sanagate to find out more about the transfer offer.

I can no longer find the «find a therapist» function that I previously used on sanagate.ch. Where can I find it now?

This service has been discontinued. You can use the benefit check in the myCSS client portal. Or ask your questions about benefit coverage by emailing info@css.ch or calling us on 0844 277 277.

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