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.
Calculate premiumIt'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.
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.
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.
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.
Go directly to your family doctor
All the benefits of a doctors’ network
Advice digitally or by phone
Ideal for high medical bills
Anyone doing more than 60 days' consecutive military service is covered by military insurance. Insured persons can suspend their basic insurance during this period.
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.
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.
Save time and money with the myCSS client portal and the CSS enjoy365 Health Shop.
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.
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.
As your health partner, CSS rewards you for leading a healthy lifestyle and financially supports your efforts to promote your health.
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 400 this way.
If you have 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.
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 lets you increase your co-payment for a stay in hospital. That way, you save on your premium.
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.
