CSS or KPT?
Basic benefits are identical at CSS and KPT — the law requires it. Only the price differs, and it differs from canton to canton. Here is where each one wins.
CSS is cheaper in 23 of 42 premium regions.
On average, CSS costs CHF 13 less per year.
Adult, CHF 300 deductible, accident cover included. Each insurer’s lowest premium, across all models.
Region by region
| Canton | Region | CSS | KPT | Monthly gap |
|---|---|---|---|---|
| Aargau | single | CHF 487.00 | CHF 488.40 | CHF -1.40 |
| Appenzell Innerrhoden | single | CHF 369.80 | CHF 364.90 | +CHF 4.90 |
| Appenzell Ausserrhoden | single | CHF 475.20 | CHF 444.00 | +CHF 31.20 |
| Bern | 1 | CHF 577.10 | CHF 578.10 | CHF -1.00 |
| Bern | 2 | CHF 513.80 | CHF 520.10 | CHF -6.30 |
| Bern | 3 | CHF 497.00 | CHF 488.10 | +CHF 8.90 |
| Basel-Landschaft | 1 | CHF 559.10 | CHF 569.30 | CHF -10.20 |
| Basel-Landschaft | 2 | CHF 522.90 | CHF 531.30 | CHF -8.40 |
| Basel-Stadt | single | CHF 575.90 | CHF 607.10 | CHF -31.20 |
| Fribourg | 1 | CHF 522.00 | CHF 516.60 | +CHF 5.40 |
| Fribourg | 2 | CHF 479.40 | CHF 471.00 | +CHF 8.40 |
| Geneva | single | CHF 609.30 | CHF 626.60 | CHF -17.30 |
| Glarus | single | CHF 501.10 | CHF 447.40 | +CHF 53.70 |
| Grisons | 1 | CHF 473.90 | CHF 460.80 | +CHF 13.10 |
| Grisons | 2 | CHF 449.70 | CHF 447.90 | +CHF 1.80 |
| Grisons | 3 | CHF 427.60 | CHF 460.00 | CHF -32.40 |
| Jura | single | CHF 566.20 | CHF 583.30 | CHF -17.10 |
| Lucerne | 1 | CHF 473.80 | CHF 498.70 | CHF -24.90 |
| Lucerne | 2 | CHF 441.70 | CHF 446.90 | CHF -5.20 |
| Lucerne | 3 | CHF 438.60 | CHF 430.10 | +CHF 8.50 |
| Neuchâtel | single | CHF 594.20 | CHF 644.50 | CHF -50.30 |
| Nidwalden | single | CHF 443.60 | CHF 421.30 | +CHF 22.30 |
| Obwalden | single | CHF 434.00 | CHF 459.70 | CHF -25.70 |
| St. Gallen | 1 | CHF 491.90 | CHF 487.30 | +CHF 4.60 |
| St. Gallen | 2 | CHF 444.40 | CHF 448.50 | CHF -4.10 |
| St. Gallen | 3 | CHF 446.30 | CHF 431.80 | +CHF 14.50 |
| Schaffhausen | 1 | CHF 535.10 | CHF 503.60 | +CHF 31.50 |
| Schaffhausen | 2 | CHF 514.50 | CHF 469.00 | +CHF 45.50 |
| Solothurn | single | CHF 516.30 | CHF 525.60 | CHF -9.30 |
| Schwyz | single | CHF 445.50 | CHF 468.60 | CHF -23.10 |
| Thurgau | single | CHF 459.90 | CHF 467.40 | CHF -7.50 |
| Ticino | 1 | CHF 621.20 | CHF 613.30 | +CHF 7.90 |
| Ticino | 2 | CHF 609.80 | CHF 565.90 | +CHF 43.90 |
| Uri | single | CHF 400.80 | CHF 418.90 | CHF -18.10 |
| Vaud | 1 | CHF 575.90 | CHF 622.10 | CHF -46.20 |
| Vaud | 2 | CHF 554.40 | CHF 562.50 | CHF -8.10 |
| Valais | 1 | CHF 499.70 | CHF 504.90 | CHF -5.20 |
| Valais | 2 | CHF 447.20 | CHF 443.80 | +CHF 3.40 |
| Zug | single | CHF 361.70 | CHF 346.50 | +CHF 15.20 |
| Zurich | 1 | CHF 530.60 | CHF 543.80 | CHF -13.20 |
| Zurich | 2 | CHF 484.60 | CHF 483.30 | +CHF 1.30 |
| Zurich | 3 | CHF 472.40 | CHF 476.80 | CHF -4.40 |
A premium gap says nothing about service quality, reimbursement times or how easy it is to reach someone. Those things are not published, and we will not invent them.