CSS Kranken-Versicherung AG: 2026 premiums compared
CSS Kranken-Versicherung AG offers basic insurance in 2026 in 26 cantons, from CHF 428.00 a month. In 0 cantons it is the cheapest insurer of all.
CSS Kranken-Versicherung AG canton by canton (2026)
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 563.00 | CHF 519.25 | + CHF 525/J |
| Appenzell Ausserrhoden | CHF 559.00 | CHF 479.40 | + CHF 955/J |
| Appenzell Innerrhoden | CHF 435.00 | CHF 411.00 | + CHF 288/J |
| Basel-Landschaft | CHF 621.00 | CHF 575.30 | + CHF 548/J |
| Basel-Stadt | CHF 684.00 | CHF 673.70 | + CHF 124/J |
| Bern | CHF 570.00 | CHF 520.40 | + CHF 595/J |
| Freiburg | CHF 551.00 | CHF 523.30 | + CHF 332/J |
| Genf | CHF 743.00 | CHF 686.70 | + CHF 676/J |
| Glarus | CHF 563.00 | CHF 493.00 | + CHF 840/J |
| Graubünden | CHF 503.00 | CHF 426.00 | + CHF 924/J |
| Jura | CHF 670.00 | CHF 628.20 | + CHF 502/J |
| Luzern | CHF 507.00 | CHF 452.80 | + CHF 650/J |
| Neuenburg | CHF 699.00 | CHF 655.90 | + CHF 517/J |
| Nidwalden | CHF 507.00 | CHF 448.10 | + CHF 707/J |
| Obwalden | CHF 496.00 | CHF 445.10 | + CHF 611/J |
| Schaffhausen | CHF 588.00 | CHF 504.40 | + CHF 1'003/J |
| Schwyz | CHF 515.00 | CHF 439.30 | + CHF 908/J |
| Solothurn | CHF 606.00 | CHF 565.40 | + CHF 487/J |
| St. Gallen | CHF 516.00 | CHF 467.00 | + CHF 588/J |
| Tessin | CHF 705.00 | CHF 626.70 | + CHF 940/J |
| Thurgau | CHF 541.00 | CHF 499.60 | + CHF 497/J |
| Uri | CHF 480.00 | CHF 437.90 | + CHF 505/J |
| Waadt | CHF 660.00 | CHF 601.70 | + CHF 700/J |
| Wallis | CHF 520.00 | CHF 470.90 | + CHF 589/J |
| Zug | CHF 428.00 | CHF 385.80 | + CHF 506/J |
| Zürich | CHF 559.00 | CHF 488.50 | + CHF 846/J |
What this insurer actually offers
Insurance models: Standard (free choice of doctor), Other (Telmed, pharmacy …), Family doctor
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 % |
The lowest premium at CSS Kranken-Versicherung AG went from CHF 367.00 (2021) to CHF 428.00 (2026) — +16.6 %.
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 428.00 and CHF 743.00 a month in 2026, 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.