CSS Multimed

  • Multiple: Family doctor/telemedicine

  • Primary care: family doctor or telemedicine

  • Free quote

General

General information:

Health insurance model «Multimed» of the insurance company CSS.

Health insurance model:
Family doctor model: When you use a family doctor policy, you are required to visit your relevant family doctor first. Your doctor may then refer you to specialists, therapists or hospitals. A primary consultation from your doctor is not necessary in the event of medical emergencies, gynecological examinations and treatments by eye doctors.
Choice of doctor:
Your choice of family doctor is limited to just one doctor from the CSS doctor list.
Medical partner:
Ärztenetz Nordwest, Grisomed, localmed, Medbase, MediX, mediX limmimed, mediX luzern, mediX säntis, mediX winterthur, Monvia, PizolCare, Réseau Delta, Zürcher Gesundheitsnetz.
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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Free bank account

Yuh

  • No account fees

  • Banking partner: Swissquote & Postfinance

  • CHF 20 trading credit with code «YUHMONEYLAND»

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Saxo Bank Special Offer

  • Special offer: Reimbursement of brokerage fees up to CHF 200 for 90 days

  • Licensed Swiss bank (FINMA)

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