CSS – Innovation, Digital Services, and Strong Protection

CSS: Calculate your 2026 premiums. Discover Multimed, Telemed, Netmed models, and flexible myFlex supplementary insurance plans.

Cheapest premiums of CSS

Here you will find the current cheapest premiums of CSS – broken down by age group, canton, region and chosen deductible.

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Adults (26+)

Model: Family Doctor (Gesundheitspraxisversicherung)
Deductible: CHF 2500
Region: Zug (Reg. 0)

Monthly premium from: 211.85 CHF (Net after allowance)
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Young People (19-25)

Model: Family Doctor (Gesundheitspraxisversicherung)
Deductible: CHF 2500
Region: Appenzell Innerrhoden (Reg. 0)

Monthly premium from: 138.45 CHF (Net after allowance)
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Children (0-18)

Model: Family Doctor (Gesundheitspraxisversicherung)
Deductible: CHF 600
Region: Zug (Reg. 0)

Monthly premium from: 41.95 CHF (Net after allowance)
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Important: Please note that the premiums listed here represent the lowest available rates (highest deductible & alternative model).

CSS in Profile: The Market Leader in Modern Health Insurance

The CSS Group is one of the leading and most innovative health insurance companies in Switzerland. Headquartered in Lucerne, CSS serves over 1.7 million clients and boasts a comprehensive network of local branches. The company is well-known for its pioneering digital services – such as the award-winning myCSS app – and an excellent price-performance ratio.

Whether for families, individuals, or cross-border commuters, CSS delivers flexible insurance solutions that fit any lifestyle perfectly, backed by high financial stability.

CSS Basic Insurance (KVG) – Smart Savings Models for 2026

Within the mandatory basic health insurance (KVG), CSS offers various models that allow you to noticeably reduce your monthly premiums by choosing your initial medical point of contact:

  • Standard Model (Free Choice of Doctor): The classic option without any restrictions regarding doctors, though it carries the highest premium.
  • Multimed: The innovative family doctor and network model. It starts with a digital symptom check via an app or a phone consultation, followed by close coordination through your chosen family doctor. This model offers the most attractive discounts.
  • Telemed / Callmed (Telmed Model): Your first line of contact for medical questions is always a telemedical consultation hotline. Efficient, fast, and cost-effective.
  • Netmed / HMO Model: You agree to always contact a specific HMO group practice or physician network first in case of illness.

CSS Supplementary Insurance (VVG) – Flexible Protection with myFlex

With the modern myFlex modular system and additional supplementary plans, CSS tailors protection perfectly to your needs:

  • myFlex Outpatient Insurance: Fills critical gaps in outpatient treatments, eyewear, emergency transport, and provides global coverage for travel abroad.
  • Alternative Medicine & Prevention: Comprehensive coverage for complementary medicine (osteopathy, acupuncture) alongside generous contributions toward fitness subscriptions and health check-ups.
  • myFlex Hospital Insurance: Free choice of hospital across Switzerland. Depending on the tier (Economy, Balance, Premium), you flexibly select the comfort of general, semi-private, or private wards.
  • Dental Insurance: Excellent protection against high expenses for dental treatments, dental hygiene, and orthodontic corrections (such as braces for children).

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Compare CSS 2026 Premiums and Maximize Savings

As the market leader, CSS provides highly competitive premiums across almost all Swiss cantons. By combining a high deductible (up to CHF 2,500) with an alternative savings model like Multimed or Telemed, you can drastically reduce your monthly outlays.

Use our independent Swiss premium calculator to determine your personal 2026 CSS premium within seconds and request a free quote.

Frequently Asked Questions (FAQ) about the premiums of CSS

Frequent questions about premiums for Adults (26+)

Where can I find the cheapest premium of CSS for Adults (26+) (without accident)?

The lowest monthly premium for Adults (26+) (without accident coverage) is currently 211.85 CHF. This tariff is offered in Canton Zug (Region 0). It is based on the Family Doctor - Gesundheitspraxisversicherung model with a deductible of 2500 CHF.

What is the cheapest CSS premium for Adults (26+) with accident coverage?

The cheapest premium for Adults (26+) (with accident coverage) is 228.25 CHF per month. This premium is also available in Canton Zug and uses the Family Doctor model.

What is the most expensive premium of CSS for Adults (26+) (without accident)?

The highest premium for Adults (26+) (without accident coverage) is 572.60 CHF. This maximum premium is reached in Canton Ticino (Region 1). It is based on the Standard model with the lowest deductible.

What is the maximum premium of CSS for Adults (26+) (with accident coverage)?

The maximum premium for Adults (26+) including accident coverage is 615.70 CHF per month. This price applies in Canton Ticino in the standard model.

Frequent questions about premiums for Young People (19-25)

Where can I find the cheapest premium of CSS for Young People (19-25) (without accident)?

The lowest monthly premium for Young People (19-25) (without accident coverage) is currently 138.45 CHF. This tariff is offered in Canton Appenzell Innerrhoden (Region 0). It is based on the Family Doctor - Gesundheitspraxisversicherung model with a deductible of 2500 CHF.

What is the cheapest CSS premium for Young People (19-25) with accident coverage?

The cheapest premium for Young People (19-25) (with accident coverage) is 149.25 CHF per month. This premium is also available in Canton Appenzell Innerrhoden and uses the Family Doctor model.

What is the most expensive premium of CSS for Young People (19-25) (without accident)?

The highest premium for Young People (19-25) (without accident coverage) is 399.60 CHF. This maximum premium is reached in Canton Ticino (Region 1). It is based on the Standard model with the lowest deductible.

What is the maximum premium of CSS for Young People (19-25) (with accident coverage)?

The maximum premium for Young People (19-25) including accident coverage is 429.70 CHF per month. This price applies in Canton Ticino in the standard model.

Frequent questions about premiums for Children (0-18)

Where can I find the cheapest premium of CSS for Children (0-18) (without accident)?

The lowest monthly premium for Children (0-18) (without accident coverage) is currently 41.95 CHF. This tariff is offered in Canton Zug (Region 0). It is based on the Family Doctor - Gesundheitspraxisversicherung model with a deductible of 600 CHF.

What is the cheapest CSS premium for Children (0-18) with accident coverage?

The cheapest premium for Children (0-18) (with accident coverage) is 45.45 CHF per month. This premium is also available in Canton Zug and uses the Family Doctor model.

What is the most expensive premium of CSS for Children (0-18) (without accident)?

The highest premium for Children (0-18) (without accident coverage) is 119.70 CHF. This maximum premium is reached in Canton Ticino (Region 1). It is based on the Standard model with the lowest deductible.

What is the maximum premium of CSS for Children (0-18) (with accident coverage)?

The maximum premium for Children (0-18) including accident coverage is 128.70 CHF per month. This price applies in Canton Ticino in the standard model.

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