CSS (insurance)
| CSS insurance
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|---|---|
 |
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| legal form | Corporation |
| founding | 1899 |
| Seat | Lucerne , Switzerland |
| management |
Philomena Colatrella ( CEO ) Jodok Wyer ( Chairman of the Board ) |
| Number of employees | 2,470 (December 31, 2019) |
| sales | CHF 6.519 billion (premium income 2019) |
| Branch | Insurance |
| Website | www.css.ch |
The CSS Group , headquartered in Lucerne, is a Swiss insurance group specializing in health insurance. With 1.34 million insured persons in the compulsory health insurance, CSS is the largest basic insurer in Switzerland. The company has a total of 1.7 million customers, an annual premium volume of CHF 6.519 billion, employs 2,470 people and has 103 agencies across the country.
history
CSS was founded in St. Gallen in 1899 as a self-help organization and in 1914 recognized by the federal government as a health insurance company with activities throughout Switzerland. In 1919, the Swiss Christian Social Health Insurance moved its headquarters to Lucerne. In 1987, CSS Versicherung , as the company has called itself since then, had over a million insured for the first time. As part of a structural reform, the company gave up its association structure in 2003/2004 and founded CSS Holding AG as a non-listed parent company and financial holding company for all operating companies of the CSS Group. The sole shareholder remained the CSS Verein, which controls under stock corporation law, but no longer performs any operational tasks.
On January 1, 2008, CSS Versicherung took over its competitor Intras . By merging with the eighth largest Swiss health insurer at the time, the company increased its market share from 13 percent to 18 percent. Today this is 15.8 percent.
Since September 1, 2016, Philomena Colatrella has been the head of one of the largest Swiss insurance companies for the first time as CEO.
In mid-2020, CSS parted with its corporate customer business and the division was sold to the Zurich Insurance Group .
CSS in Germany
With the establishment of CSS Versicherung AG in Vaduz in 2006, the CSS Group expanded its business activities to Germany as part of the free movement of services. On October 13, 2014, CSS Versicherung AG was sold to the HanseMerkur insurance group and on October 1, 2015, the name was changed to "Advigon Versicherung AG".
Areas of activity
The CSS Group consists of seven companies that operate the insurance business in Switzerland: CSS Kranken-Versicherung AG, INTRAS Kranken-Versicherung AG, Arcosana AG and Sanagate AG operate the mandatory health insurance according to the Health Insurance Act KVG. They are subordinate to the Federal Office of Public Health. CSS Versicherung AG and INTRAS Versicherung AG conduct business with supplementary health insurance, collective daily sickness benefits insurance, collective accident insurance and other insurance products (property and assets, individual life) in accordance with the Insurance Contract Act VVG. The supervisory authority is the Swiss Financial Market Supervisory Authority (FINMA). The subsidiary vivit Gesundheits AG offers comprehensive health services and products, the subsidiary MC Makler Consulting AG maintains an intermediary platform for insurance and financial services.
literature
- Peter Quadri: CSS Insurance. In: Historical Lexicon of Switzerland . March 8, 2005 .
Web links
Individual evidence
- ↑ a b c Annual Report 2019. Accessed June 4, 2020 .
- ↑ Gregory Remez: Article in the Lucerne newspaper on the media release from January 15, 2020. January 15, 2020, accessed July 15, 2020 .