CSS mandatory basic insurance

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CSS mandatory basic insurance

  • Standard model

  • Free choice of doctor

  • Free quote

Get a free quote now >>

General

General information:

Health insurance model «mandatory basic insurance» by the Swiss health insurance company CSS.

Health insurance model:
Standard model: You can make use of any doctor, specialist or other healthcare service provider you choose. Premiums are higher than those of more limited models.
Choice of doctor:
Policyholders have free choice of doctors.
Medical partner:
Not specified.
Pharmacy choice:
You get free choice of pharmacy
Payment methods:
10% of payments are made using the tiers garant payment method, in which you pay and claim reimbursement.
90% of payments are tiers payant, meaning the bills are paid directly by the insurance (CSS).
Reimbursement:
The average waiting period before tiers garant reimbursement from CSS is 7.7 days.
Financial reserves:
The solvency ratio shows how available financial reserves compare to Federal Office of Public Health (FOPH) minimum reserve requirements. The solvency ratio of CSS is 84% (according to FOPH data). The minimum ratio required by the FOPH is 100%.
Number of policyholders:
A total of 1,501,294 people hold compulsory health insurance policies from CSS.
Additional child-discount:
CSS does not offer additional premium reductions for more than one child.
Administrative costs:
4% (ratio of adminstrative costs to risk-adjusted premiums as per BAG data).
Administrative costs per policyholder:
CHF 152 (as per the most recent BAG data).

Customer satisfaction

General satisfaction    7.8/10 (Good)
Helpfulness    7.8/10 (Good)
Billing: flexibility    7.4/10 (Satisfactory)
Reimbursement: time frame    7.8/10 (Good)
Product information    7.6/10 (Good)

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