CSS Group

The CSS Group was founded in 1899 and has its headquarters in Lucerne. It insures more than 1.75 million people and, with a premium volume of 7.0 billion Swiss francs, it is one of Switzerland's leading health and property insurers. The CSS Group is the market leader in basic insurance. With 101 agencies and around 2,800 employees, the CSS Group is close to its customers throughout Switzerland.


The CSS Group consists of CSS Holding AG and its subsidiaries. CSS Holding AG is not listed on the stock exchange. It is subject to Swiss company law. The CSS Association is the sole shareholder of CSS Holding AG.

Organisation chart of the CSS Group

Companies offering basic and supplementary insurance

CSS Kranken-Versicherung AG offers mandatory health insurance (basic insurance).

CSS Versicherung AG is responsible for supplementary insurance.


CSS was founded in 1899 as a self-help organisation under the name Christlich Soziale Schweiz (Christian Social Switzerland, CSS), in response to Pope Leo XIII's "Rerum Novarum" encyclical, which addressed the emergence of a proletariat from the labouring classes. At the time, CSS viewed its objectives as specifically Christian. There has been little change in its actual purpose in the intervening years: our healthcare system is still based on solidarity, one expression of which is the uniform premium. Regardless of their income, all insured persons have access to healthcare services. In today's world, the values on which CSS is built, such as the principles of solidarity and fairness, are perceived as separate from basic Christian precepts.

Mergers: Sanagate, Arcosana & Intras

Sanagate AG merged with Arcosana AG, the then subsidiary of CSS, as of 1 January 2022.

As a provider of basic insurance, INTRAS Kranken-Versicherung AG merged with Arcosana AG as of 1 January 2022. In the supplementary insurance business, INTRAS Versicherung AG merged with CSS Versicherung AG.

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