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Save & optimise on health insurance

As you know, comparing premiums and adjusting your deductible are two popular methods of saving on health insurance costs. But there are other things you can do: we provide an overview of further effective tips on how to economise on your health insurance.

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How to save on health insurance

It's an annual occurrence: at the end of September, the Federal Council announces the premiums for the coming year. When health insurance premiums rise, there are a few ways in which you can save money.

Increase the deductible

If you only rarely visit a doctor, it's worthwhile opting for a higher health insurance deductible. That way, you benefit from a premium discount.

Exclude accident insurance

Do you work for the same employer for at least 8 hours a week? Then you’re insured through your employer and can exclude accident cover from your basic insurance. In return, you'll pay 7% less in premiums.

Choose the right insurance model

When it comes to basic insurance, you can choose from a variety of alternative insurance models (Multimed, Family Doctor model, Health Maintenance Organisation Insurance or Telmed) and get a generous discount for doing so. If you switch to the Multimed model, your maximum retention fee will be just CHF 400 instead of CHF 700.

Choose your basic insurance

Advice digitally or by phone

Telmed

  • Your first point of contact is the Well app or the telemedicine centre.
  • You can see an eye doctor, gynaecologist or midwife directly.
  • At least 10% premium discount.
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Recommendation

All the benefits of a doctors’ network

HMO model

  • The chosen doctor’s practice from the medical network or the group practice is your first point of contact.
  • You can see an eye doctor, gynaecologist or midwife directly.
  • 14–16% premium discount.
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Ideal for high medical bills

Multimed

  • The Multimed practice, telemedicine centre or Well app is your first point of contact.
  • You can see an eye doctor, gynaecologist or midwife directly.
  • Premium discount of at least 16% and CHF 300 less as a retention fee.
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Go directly to your family doctor

Family doctor model

  • The family doctor you know and trust is your main point of contact.
  • You can see an eye doctor, gynaecologist or midwife directly.
  • At least 10% premium discount.
Calculate your premium Change model

Get a premium reduction

If your household income is below a certain amount, you're entitled to a premium reduction on your general health insurance. Find out from the authorities in the canton in which you live how high that amount is before applying for a premium reduction.

Suspension during military service

Anyone doing more than 60 days' consecutive military service is covered by military insurance. Insured persons can suspend their basic insurance during this period.

Family discount: save up to 100%

You’ll get attractive discounts if your entire family is insured with us.

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Why CSS

Save time and money thanks to advantages enjoyed exclusively by clients

active365, enjoy365 and the myCSS client portal offer insured persons even more advantages when it comes to taking the strain off their budget, while also having a positive effect on their mind, body and soul.

active365 – earn up to CHF 600

The active365 app rewards you for leading a healthy lifestyle throughout the year. Whether it's nutrition, exercise, mindfulness or mental health – you'll collect valuable activePoints by using the app. You can have these paid out in cash, donate them or redeem them in the CSS enjoy365 Health Shop. You can earn up to CHF 600 this way.

Shop for less in the enjoy365 Health Shop

From bike helmets to hammocks: the enjoy365 Shop brings you exciting, up-to-date offers to help you lead a healthy life. From interesting special conditions and time-limited top deals to exciting partner offers, there's something here for everyone.

  • 30–70% discount for clients with supplementary insurance.
  • As a member of the CSS Association, you get an additional 10% off the market price.
  • Clients with basic insurance enjoy great partner offers.

Participation in cost of fitness, yoga and more

If you have both myFlex Outpatient Insurance and myFlex Hospitalisation Insurance, you benefit from the Health Account. We provide support – of up to CHF 800 per year – for your health-related activities through the Health Account.

Simply save money

Exclude accident cover
Do you work at least eight hours a week?
Change accident cover
Take a break
Doing 60 days of military, civilian or civil protection service?
Choose to suspend
Payment discount
Pay for the whole year and get a discount of 0.25%.
Adjust now

Tips for saving on supplementary insurance

Bonus for a long contract term

You get a 4% discount for 5-year contracts and a 2% discount for 3-year contracts. This applies to myFlex Outpatient Insurance, myFlex Hospitalisation Insurance and myFlex Alternative Insurance.

Hospitalisation Insurance co-payment

Hospitalisation Insurance lets you increase your co-payment for a stay in hospital. That way, you save on your premium.

Health insurance premiums at a glance

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