CSS or KPT in Region 2 of canton Zurich?
In Region 2, KPT is CHF 15.60 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 483.30 a month, CSS to CHF 484.60. The gap is CHF 15.60 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 467.90 a month. Moving there rather than to KPT is worth CHF 184.80 more a year. Agrisano
Where they stand in the region
CSS ranks 5 and KPT ranks 4, out of 27 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 591.00 | CHF 572.00 | + 19.00 |
| 500 | CHF 579.40 | CHF 560.40 | + 19.00 |
| 1'000 | CHF 550.20 | CHF 531.20 | + 19.00 |
| 1'500 | CHF 521.00 | CHF 502.00 | + 19.00 |
| 2'000 | CHF 491.90 | — | — |
| 2'500 | CHF 462.70 | CHF 443.70 | + 19.00 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | CSS | KPT |
|---|---|---|
| Family doctor | CHF 484.60 | CHF 492.10 |
| Other model | CHF 537.80 | CHF 483.30 |
| Free choice of doctor | CHF 591.00 | CHF 572.00 |
| HMO practice | — | CHF 505.40 |
How they moved in this region
Against 2025, CSS moves by + 0.5 % and KPT by + 3.3 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.