Helsana or KPT?
Basic benefits are identical at Helsana and KPT — the law requires it. Only the price differs, and it differs from canton to canton. Here is where each one wins.
Helsana is cheaper in 24 of 42 premium regions.
On average, Helsana costs CHF 29 less per year.
Adult, CHF 300 deductible, accident cover included. Each insurer’s lowest premium, across all models.
Region by region
| Canton | Region | Helsana | KPT | Monthly gap |
|---|---|---|---|---|
| Aargau | single | CHF 483.80 | CHF 488.40 | CHF -4.60 |
| Appenzell Innerrhoden | single | CHF 419.90 | CHF 364.90 | +CHF 55.00 |
| Appenzell Ausserrhoden | single | CHF 468.30 | CHF 444.00 | +CHF 24.30 |
| Bern | 1 | CHF 548.90 | CHF 578.10 | CHF -29.20 |
| Bern | 2 | CHF 508.30 | CHF 520.10 | CHF -11.80 |
| Bern | 3 | CHF 483.60 | CHF 488.10 | CHF -4.50 |
| Basel-Landschaft | 1 | CHF 572.00 | CHF 569.30 | +CHF 2.70 |
| Basel-Landschaft | 2 | CHF 531.20 | CHF 531.30 | CHF -0.10 |
| Basel-Stadt | single | CHF 581.40 | CHF 607.10 | CHF -25.70 |
| Fribourg | 1 | CHF 501.90 | CHF 516.60 | CHF -14.70 |
| Fribourg | 2 | CHF 477.70 | CHF 471.00 | +CHF 6.70 |
| Geneva | single | CHF 613.70 | CHF 626.60 | CHF -12.90 |
| Glarus | single | CHF 466.10 | CHF 447.40 | +CHF 18.70 |
| Grisons | 1 | CHF 479.00 | CHF 460.80 | +CHF 18.20 |
| Grisons | 2 | CHF 453.00 | CHF 447.90 | +CHF 5.10 |
| Grisons | 3 | CHF 441.80 | CHF 460.00 | CHF -18.20 |
| Jura | single | CHF 578.80 | CHF 583.30 | CHF -4.50 |
| Lucerne | 1 | CHF 472.00 | CHF 498.70 | CHF -26.70 |
| Lucerne | 2 | CHF 458.60 | CHF 446.90 | +CHF 11.70 |
| Lucerne | 3 | CHF 450.20 | CHF 430.10 | +CHF 20.10 |
| Neuchâtel | single | CHF 568.40 | CHF 644.50 | CHF -76.10 |
| Nidwalden | single | CHF 434.30 | CHF 421.30 | +CHF 13.00 |
| Obwalden | single | CHF 429.20 | CHF 459.70 | CHF -30.50 |
| St. Gallen | 1 | CHF 483.60 | CHF 487.30 | CHF -3.70 |
| St. Gallen | 2 | CHF 458.60 | CHF 448.50 | +CHF 10.10 |
| St. Gallen | 3 | CHF 441.80 | CHF 431.80 | +CHF 10.00 |
| Schaffhausen | 1 | CHF 486.30 | CHF 503.60 | CHF -17.30 |
| Schaffhausen | 2 | CHF 491.30 | CHF 469.00 | +CHF 22.30 |
| Solothurn | single | CHF 506.30 | CHF 525.60 | CHF -19.30 |
| Schwyz | single | CHF 462.40 | CHF 468.60 | CHF -6.20 |
| Thurgau | single | CHF 474.30 | CHF 467.40 | +CHF 6.90 |
| Ticino | 1 | CHF 629.10 | CHF 613.30 | +CHF 15.80 |
| Ticino | 2 | CHF 565.80 | CHF 565.90 | CHF -0.10 |
| Uri | single | CHF 431.80 | CHF 418.90 | +CHF 12.90 |
| Vaud | 1 | CHF 580.10 | CHF 622.10 | CHF -42.00 |
| Vaud | 2 | CHF 560.10 | CHF 562.50 | CHF -2.40 |
| Valais | 1 | CHF 498.10 | CHF 504.90 | CHF -6.80 |
| Valais | 2 | CHF 440.30 | CHF 443.80 | CHF -3.50 |
| Zug | single | CHF 365.50 | CHF 346.50 | +CHF 19.00 |
| Zurich | 1 | CHF 533.60 | CHF 543.80 | CHF -10.20 |
| Zurich | 2 | CHF 493.80 | CHF 483.30 | +CHF 10.50 |
| Zurich | 3 | CHF 464.80 | CHF 476.80 | CHF -12.00 |
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.