Last Updated: January 15, 2025
About CSS
The origins of CSS date back to 1899 when it was founded as the Christian Social Health Insurance Fund of Switzerland. Headquartered in Lucerne, CSS insures roughly 1.34 million policy holders under the compulsory basic insurance model. A mobile app provides fingertip access to policy information, and invoices can be scanned using the smartphone camera.
Encompassing all insurance offerings, CSS insures some 1.7 million persons with annual revenues of 6.17 billion Swiss francs. The CSS Group includes additional health insurance providers: Arcosana, Intras and Sanagate.
Expat Advantages with CSS
Customer service in multiple languages
Modern app and online platform
Extensive service points
Wide range of insurance options
Get Your Personalized CSS Quote
Tell us about your needs for a tailored recommendation
Basic Insurance Models
Four flexible models including standard, family doctor, HMO/GVP, and Telmed options
myFlex Insurance Solutions
Comprehensive supplementary coverage with outpatient, hospitalization, and alternative medicine options
Digital Services
Modern mobile app for policy management and invoice scanning
Supplementary Insurance Plans
myFlex Outpatient
Worldwide coverage for outpatient treatments
- Eye laser surgery coverage
- Dental insurance for children
- Global coverage
- Alternative medicine
myFlex Hospitalisation
Comprehensive hospital coverage across Switzerland
- Free hospital choice
- Private/semi-private ward
- Nationwide coverage
- Emergency abroad
myFlex Alternative
Coverage for alternative medicine treatments
- Approved therapists
- Various methods covered
- Preventive care
- Holistic approach
Health Account
Preventative health benefits
- Sports club discounts
- Yoga classes
- Fitness programs
- Wellness activities
Digital Services & Customer Experience
Mobile App Features
- Digital insurance card
- Submit claims with photo
- Track reimbursements
- Access policy documents
Online Portal Benefits
- Manage coverage options
- View and pay bills
- Download statements
- Chat with support
For Expats
Why Expats Choose CSS
- English-Speaking Support
Full service in English through all channels
- Digital-First Experience
Manage everything online or through the app
- International Coverage Options
Travel insurance and worldwide emergency coverage
How to Apply
Compare Plans
Review different insurance models and coverage options
Choose Model
Select insurance model (standard, GP, or Telmed)
Submit Application
Apply with chosen provider
Set Up Payments
Arrange premium payments
Frequently Asked Questions
- What makes CSS different from other Swiss insurers?
- As Switzerland's largest health insurer, CSS offers extensive coverage options, a comprehensive network of service points, and innovative digital solutions. Their myFlex insurance solutions provide flexible coverage that can be tailored to individual needs.
- How do I get a quote from CSS?
- You can get a personalized quote from CSS through their online premium calculator, by scheduling a free consultation with our experts, or visiting a local CSS office. We recommend comparing multiple offers to find the best coverage for your needs.
- What digital services does CSS offer?
- CSS provides a modern mobile app for policy management, digital insurance cards, online claims submission, and invoice scanning capabilities. Their digital platform makes insurance management simple and efficient.
- Does CSS offer English-speaking customer service?
- Yes, CSS provides multilingual customer service, including English support, through their customer service centers and digital platforms.
- How can I submit claims to CSS?
- CSS offers multiple ways to submit claims: through their mobile app, online portal, or by mail. The digital options allow for quick submission by simply photographing your medical bills and uploading them directly.
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