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.
|
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) |
| 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 |
| 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 |
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.
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.
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.
If you have specific questions about the merger, you can call the dedicated helpline on 0800 277 000.
If you have any questions about myGuide, please contact us on 0844 277 397.
To get through to Medgate directly, you should now call +41 58 277 77 77.
You can reach our Customer Support team on 0844 277 277.
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.
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.
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.
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.
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.
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.
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.
No, you don’t have to resubmit any bills you’ve already sent either by post or digitally.
myStep is available to you only if you have the corresponding supplementary insurance with CSS.
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.
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.
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.
