Basic insurance benefits
In Switzerland, the benefits from basic insurance are the same for all insurance companies and for all insured persons. So no matter which insurance model you have, you are covered for the statutory basic benefits in the event of illness, accident and maternity.
Immediate answers to your questions about benefits
Do you already have insurance from CSS? The myCSS Benefits Check makes it even easier to review your cover.
| Outpatient treatment / Classical medicine | Cost coverage according to the tariff, in the whole of Switzerland, for treatment by recognised doctors, chiropractors, dieticians, midwives, logopedists, physiotherapists, ergotherapists, nurses and nursing auxiliaries |
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| Outpatient treatment / Alternative medicine | Acupuncture, anthroposophic medicine, Chinese medicine, homeopathy and phytotherapy: Costs are covered according to the tariffs prevailing at the canton of residence or at the place of work for treatment by recognized doctors with an FMH qualification in the discipline of complementary medicine |
| Hospitalization | Cover for all costs in the canton of residence according to the KVG (public hospital/acute hospital) unlimited as to sum or duration in the general ward |
| Health promotion / Prevention | In accordance with article 12 of the Ordinance on the Benefits of Obligatory Health Care Insurance |
| Benefits abroad | Cover for costs incurred in emergencies for outpatient or inpatient treatment in the general ward up to a maximum of twice the tariff of the canton of residence in Switzerland.Special conditions apply in EU States (incl. Iceland, the Principality of Liechtenstein and Norway) as determined in the Bilateral Agreements |
| Medicaments | Medically prescribed medicaments on the list of generic drugs maintained by the Federal Office for Public Health (BAG), the list of medicines with tariffs or the Speciality List |
| Spa cures / Convalescence cures | Spa cures: CHF 10 per day, 21 days per year plus medical costs Convalescence cures: only medical costs |
| Maternity / Breastfeeding | 8 check ups, 2 ultrasound examinations for a normal pregnancy, home birth or hospital birth, prenatal courses maximum CHF 150, breastfeeding advice maximum of 3 sessions » Detailed information about the maternity benefits |
| Apparatus | Contributions to apparatus according to the list “Apparatus and Devices” |
| Preventive examinations / Vaccinations | Contributions to preventive health measures e.g. vaccination of children, preventive gynaecological examinations, etc. |
| Transport and rescue costs | Cost of transport: 50% of costs, max. CHF 500 per calendar year Cost of rescue: 50% of costs, max. CHF 5,000 per calendar year (Switzerland) |
| Glasses / Contact lenses | Up to 18 years of age: CHF 180 per year with a medical prescription |
| Home nursing / Care in a nursing home | Costs are covered for examinations, treatment and nursing care prescribed by a physician and carried out at home or in nursing homes by recognized Spitex organizations |
| Dental treatment | Costs are covered for serious jaw disease or if treatment becomes necessary because of a serious general illness. Initial treatment in case of accident (if accident cover included) |
| Psychotherapy | Costs for psychotherapy by a doctor |
Regulations - Insurance plans accordance with the KVG CSS