CSS or KPT in Region 1 of canton Ticino?
In Region 1, KPT is CHF 94.80 a year cheaper than CSS 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, CSS to CHF 621.20. The gap is CHF 94.80 a year, 300-franc deductible, accident cover included.
What the question hides
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
Where they stand in the region
CSS ranks 7 and KPT ranks 4, out of 21 active insurers in this region.
Deductible by deductible
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 | CSS | KPT | Gap |
|---|---|---|---|
| 300 | CHF 744.00 | CHF 734.60 | + 9.40 |
| 500 | CHF 732.40 | CHF 723.00 | + 9.40 |
| 1'000 | CHF 703.20 | CHF 693.80 | + 9.40 |
| 1'500 | CHF 674.00 | CHF 664.60 | + 9.40 |
| 2'000 | CHF 644.90 | — | — |
| 2'500 | CHF 615.70 | CHF 606.30 | + 9.40 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | CSS | KPT |
|---|---|---|
| Family doctor | CHF 621.20 | CHF 643.70 |
| Other model | CHF 680.80 | CHF 613.30 |
| Free choice of doctor | CHF 744.00 | CHF 734.60 |
| HMO practice | — | CHF 613.30 |
How they moved in this region
Against 2025, CSS moves by + 5.0 % and KPT by + 7.8 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.