CONCORDIA or KPT in Region 1 of canton Ticino?

In Region 1, KPT is CHF 1.20 a year cheaper than CONCORDIA for an adult on the same profile. Here is the detail — and what a third insurer would do.

The verdict, in this region

KPT comes down to CHF 613.30 a month, CONCORDIA to CHF 613.40. The gap is CHF 1.20 a year, 300-franc deductible, accident cover included.

Neither is the cheapest here: that is Agrisano, at CHF 583.90 a month. Moving there rather than to KPT is worth CHF 352.80 more a year. Agrisano

CONCORDIA ranks 5 and KPT ranks 4, out of 21 active insurers in this region.

With free choice of doctor, the one model every insurer offers — and therefore the only one where a row-by-row comparison compares the same thing.

Deductible	CONCORDIA	KPT	Gap
300	CHF 725.90	CHF 734.60	− 8.70
500	CHF 714.30	CHF 723.00	− 8.70
1'000	CHF 685.10	CHF 693.80	− 8.70
1'500	CHF 655.90	CHF 664.60	− 8.70
2'000	CHF 626.80	—	—
2'500	CHF 597.60	CHF 606.30	− 8.70

Each insurer’s lowest rate in each model type, 300-franc deductible.

Against 2025, CONCORDIA moves by + 6.2 % and KPT by + 7.8 % in this region.

Source: Federal Office of Public Health (FOPH), official premiums.