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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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