CONCORDIA or KPT in Region 1 of canton Zurich?

In Region 1, KPT is CHF 2.40 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 543.80 a month, CONCORDIA to CHF 544.00. The gap is CHF 2.40 a year, 300-franc deductible, accident cover included.

Neither is the cheapest here: that is Atupri, at CHF 517.70 a month. Moving there rather than to KPT is worth CHF 313.20 more a year. Atupri

CONCORDIA ranks 10 and KPT ranks 9, out of 27 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 636.20	CHF 647.70	− 11.50
500	CHF 624.60	CHF 636.10	− 11.50
1'000	CHF 595.40	CHF 606.90	− 11.50
1'500	CHF 566.20	CHF 577.70	− 11.50
2'000	CHF 537.10	—	—
2'500	CHF 507.90	CHF 519.40	− 11.50

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

Against 2025, CONCORDIA moves by + 7.3 % and KPT by + 3.3 % in this region.

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