Save on & optimise health insurance

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 reveal further effective tips on how to make savings and optimise.

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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 eight 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 mandatory basic insurance, you can choose from a variety of alternative health 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


  • 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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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


  • 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.
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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.

Discount for paying an annual premium 

If you pay your health insurance premium up front annually, you’ll enjoy a discount of 0.25%. You save both time and money by paying your premium just once a year.

Family discounts: save up to 100%

Obtain high discounts by insuring your family with us. With CSS, your children enjoy high discounts on selected insurance products up to the age of 20.

A young couple is sitting on the sofa and looking happily in their smartphone.

Discover the advantages

More than 1.75 million people trust CSS.


Exclusive advantages for clients

Save time and money with the myCSS client portal and the CSS enjoy365 Health Shop.

myCSS client portal & myCSS app

myCSS lets you submit bills easily by taking a photo, and all your documents – including the annual tax statement – are on hand, ready to download. You see right away what costs CSS will assume for you and which providers and therapists in your area are recognised. There may be flashier apps, but few are more practical.

Shop for less in the enjoy365 Health Shop

From bike helmets to hammocks: you’ll find fabulous products in the enjoy365 shop that help you to lead a healthy life. Take a look – you won’t regret it.

  • 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.

Up to CHF 1,400 for your health

As your health partner, CSS rewards you for leading a healthy lifestyle and financially supports your efforts to promote your health.

Earn up to CHF 600 with the active365 rewards app

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 enjoy365 shop. You can earn up to CHF 600 this way.

Fitness, yoga and more – up to CHF 800 per year

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.

More tips on saving on supplementary insurance

You get a bonus for taking out supplementary insurance for more than one year. A 5-year contract gives you a 4% discount and a 3-year contract 2%. This applies to myFlex Outpatient, myFlex Hospitalisation 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.

Discounts for companies, clubs and associations

Remain attractive as a company, club or association by offering more. A framework contract lets your employees or members, and their partners and children, enjoy discounts on supplementary health insurance.

Health insurance premiums at a glance

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