CSS or KPT in Region 3 of canton Zurich?

In Region 3, CSS is CHF 52.80 a year cheaper than KPT for an adult on the same profile. Here is the detail — and what a third insurer would do.

The verdict, in this region

CSS comes down to CHF 472.40 a month, KPT to CHF 476.80. The gap is CHF 52.80 a year, 300-franc deductible, accident cover included.

Neither is the cheapest here: that is Agrisano, at CHF 427.80 a month. Moving there rather than to CSS is worth CHF 535.20 more a year. Agrisano

CSS ranks 18 and KPT ranks 19, 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	CSS	KPT	Gap
300	CHF 559.00	CHF 563.90	− 4.90
500	CHF 547.40	CHF 552.30	− 4.90
1'000	CHF 518.20	CHF 523.10	− 4.90
1'500	CHF 489.00	CHF 493.90	− 4.90
2'000	CHF 459.90	—	—
2'500	CHF 430.70	CHF 435.60	− 4.90

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

Against 2025, CSS moves by + 4.9 % and KPT by + 4.7 % in this region.

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