CSS Kranken-Versicherung AG: 2027 premiums compared
CSS Kranken-Versicherung AG offers basic insurance in 2027 in 26 cantons, from CHF 457.00 a month. In 0 cantons it is the cheapest insurer of all.
CSS Kranken-Versicherung AG canton by canton (2027)
Reference: adult aged 26+, franchise CHF 300, standard model with free choice of doctor, with accident cover.
| Canton | CSS Kranken-Versicherung AG premium | Cheapest in canton | Extra per year |
|---|---|---|---|
| Aargau | CHF 614.00 | CHF 548.80 | + CHF 782/J |
| Appenzell Ausserrhoden | CHF 582.00 | CHF 501.00 | + CHF 972/J |
| Appenzell Innerrhoden | CHF 466.00 | CHF 436.00 | + CHF 360/J |
| Basel-Landschaft | CHF 666.00 | CHF 606.00 | + CHF 720/J |
| Basel-Stadt | CHF 733.00 | CHF 690.40 | + CHF 511/J |
| Bern | CHF 605.00 | CHF 541.20 | + CHF 766/J |
| Freiburg | CHF 590.00 | CHF 551.00 | + CHF 468/J |
| Genf | CHF 791.00 | CHF 711.20 | + CHF 958/J |
| Glarus | CHF 583.00 | CHF 523.80 | + CHF 710/J |
| Graubünden | CHF 535.00 | CHF 450.80 | + CHF 1'010/J |
| Jura | CHF 726.00 | CHF 655.80 | + CHF 842/J |
| Luzern | CHF 547.00 | CHF 468.65 | + CHF 940/J |
| Neuenburg | CHF 741.00 | CHF 675.60 | + CHF 785/J |
| Nidwalden | CHF 540.00 | CHF 461.50 | + CHF 942/J |
| Obwalden | CHF 531.00 | CHF 474.00 | + CHF 684/J |
| Schaffhausen | CHF 620.00 | CHF 514.50 | + CHF 1'266/J |
| Schwyz | CHF 556.00 | CHF 454.70 | + CHF 1'216/J |
| Solothurn | CHF 654.00 | CHF 582.40 | + CHF 859/J |
| St. Gallen | CHF 558.00 | CHF 488.00 | + CHF 840/J |
| Tessin | CHF 754.00 | CHF 658.00 | + CHF 1'152/J |
| Thurgau | CHF 573.00 | CHF 524.60 | + CHF 581/J |
| Uri | CHF 516.00 | CHF 463.90 | + CHF 625/J |
| Waadt | CHF 710.00 | CHF 614.40 | + CHF 1'147/J |
| Wallis | CHF 558.00 | CHF 494.45 | + CHF 763/J |
| Zug | CHF 457.00 | CHF 405.30 | + CHF 620/J |
| Zürich | CHF 617.00 | CHF 508.10 | + CHF 1'307/J |
What this insurer actually offers
Insurance models: Standard (free choice of doctor), Flexible models, Family doctor / HMO, Telemedicine / digital
Franchises for adults: CHF 300, 500, 1'000, 1'500, 2'000, 2'500
Franchises for children: CHF 0, 100, 200, 300, 400, 600 Not every insurer offers children all levels — that is what decides the cheapest family solution.
How CSS Kranken-Versicherung AG has developed since 2021
| Year | Lowest premium | Change |
|---|---|---|
| 2021 | CHF 367.00 | — |
| 2022 | CHF 369.00 | +0.5 % |
| 2023 | CHF 379.00 | +2.7 % |
| 2024 | CHF 410.00 | +8.2 % |
| 2025 | CHF 431.00 | +5.1 % |
| 2026 | CHF 428.00 | -0.7 % |
| 2027 | CHF 457.00 | +6.8 % |
The lowest premium at CSS Kranken-Versicherung AG went from CHF 367.00 (2021) to CHF 457.00 (2027) — +24.5 %.
Why the benefits are the same everywhere
Basic insurance is defined by law (KVG/LAMal). CSS Kranken-Versicherung AG must pay for the same treatments as any other insurer and must accept every applicant, with no health questions. Price, service and supplementary products differ — the latter are not compared here.
Frequently asked questions
Is CSS Kranken-Versicherung AG expensive?
For an adult with a CHF 300 franchise and the standard model, CSS Kranken-Versicherung AG costs between CHF 457.00 and CHF 791.00 a month in 2027, depending on the canton. In 0 of 26 cantons it is the cheapest insurer.
Are the benefits at CSS Kranken-Versicherung AG worse than at a more expensive insurer?
No. The benefit catalogue of compulsory basic insurance is set by law and identical for every insurer.
How do I switch to or away from CSS Kranken-Versicherung AG?
Notice for basic insurance must reach your current insurer by 30 November (arrival, not postmark). The new insurer must accept you.