CSS or KPT in Region 2 of canton Ticino?
In Region 2, KPT is CHF 526.80 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 565.90 a month, CSS to CHF 609.80. The gap is CHF 526.80 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 539.00 a month. Moving there rather than to KPT is worth CHF 322.80 more a year. Agrisano
Where they stand in the region
CSS ranks 13 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 705.00 | CHF 675.30 | + 29.70 |
| 500 | CHF 693.40 | CHF 663.70 | + 29.70 |
| 1'000 | CHF 664.20 | CHF 634.50 | + 29.70 |
| 1'500 | CHF 635.00 | CHF 605.30 | + 29.70 |
| 2'000 | CHF 605.90 | — | — |
| 2'500 | CHF 576.70 | CHF 547.00 | + 29.70 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | CSS | KPT |
|---|---|---|
| Family doctor | CHF 609.80 | CHF 593.30 |
| Other model | CHF 638.00 | CHF 565.90 |
| Free choice of doctor | CHF 705.00 | CHF 675.30 |
| HMO practice | — | CHF 593.30 |
How they moved in this region
Against 2025, CSS moves by + 7.7 % and KPT by + 4.7 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.