Risk compensation

A system of mandatory insurance, with a requirement to admit all applicants and a uniform premium, needs a functioning system of risk sharing and compensation between insurers. Otherwise the incentives under the current system to hold as many "good risks" (and as few "bad risks") as possible in the portfolio are too great. Optimised risk compensation makes the hunt for healthy insured persons and the marginalisation of sick ones unattractive. It is the prerequisite for meaningful competition on the domestic market, with a focus on the cost of services. CSS Insurance therefore welcomed the Federal Council’s decision to further refine the risk compensation system by taking into account a further morbidity factor in two steps (the cost of medication since 2017 and pharmaceutical cost groups since 2020). In future, CSS will continue to play an active role in the development and improvement of the optimum risk compensation system. However, CSS is against maximum risk compensation, as this would entail too much bureaucracy. 

Your health partner

As a health partner, we are committed to leading a healthy life, actively taking steps to regain one's health and developing a mindful approach to illness.

Being healthy
We help our clients find and maintain their balance, physically and mentally.
For a healthy life
Becoming healthy
We help anyone who is ill or has medical questions to find their way through the maze and quickly get the answers they need.
Steps to getting healthy
Living with illness
We have additional offers that encourage a mindful approach to chronic diseases.
Coping with illness