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CSS Insurance

Swiss health insurer offering mandatory basic insurance and supplementary insurance, part of the CSS Group.

Last updated October 30, 2026

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Overview

CSS is a Swiss health insurance brand operating within the CSS Group, which consists of CSS Holding AG and its subsidiaries. CSS Health Insurance Ltd (CSS Kranken-Versicherung AG) offers mandatory health insurance (basic insurance), while CSS Insurance Ltd is responsible for supplementary insurance and CSS Life Insurance Ltd handles life insurance. CSS Holding AG is not listed on the stock exchange and is subject to Swiss company law, with the CSS Association as its sole shareholder. The company states it can look back on over 125 years of experience and was originally founded as a self-help organisation.

History

CSS can look back on over 125 years of experience. It was originally founded as a self-help organisation, and its values are still based on the principles of solidarity and fairness. The CSS Group consists of CSS Holding AG and its subsidiaries; CSS Holding AG is not listed on the stock exchange and is subject to Swiss company law, with the CSS Association as its sole shareholder. Within the group, CSS Health Insurance Ltd (CSS Kranken-Versicherung AG) offers mandatory health insurance (basic insurance), CSS Insurance Ltd is responsible for supplementary insurance, and CSS Life Insurance Ltd is responsible for life insurance. Several mergers took place: Sanagate AG merged with Arcosana AG as of 1 January 2022; INTRAS Kranken-Versicherung AG merged with Arcosana AG as of 1 January 2022; INTRAS Versicherung AG merged with CSS Versicherung AG in the supplementary insurance business; and Arcosana AG merged with CSS Kranken-Versicherung AG as of 1 January 2023.

  • 2023

    Arcosana AG merges with CSS Kranken-Versicherung AG

    Arcosana AG merged with CSS Kranken-Versicherung AG as of 1 January 2023.

  • 2022

    Sanagate AG merges with Arcosana AG

    INTRAS Kranken-Versicherung AG merged with Arcosana AG as of 1 January 2022.

  • INTRAS Versicherung AG merges with CSS Versicherung AG

    INTRAS Versicherung AG merged with CSS Versicherung AG in the supplementary insurance business.

Products and positioning

Health insurer and health partner for private customers in Switzerland.

  • Mandatory health insurance (basic insurance)

  • Supplementary insurance

  • Life insurance

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