Helsana or KPT in Region 2 of canton Ticino?

In Region 2, Helsana is CHF 1.20 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

Helsana comes down to CHF 565.80 a month, KPT to CHF 565.90. The gap is CHF 1.20 a year, 300-franc deductible, accident cover included.

Neither is the cheapest here: that is Agrisano, at CHF 539.00 a month. Moving there rather than to Helsana is worth CHF 321.60 more a year. Agrisano

Helsana ranks 3 and KPT ranks 4, out of 21 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	Helsana	KPT	Gap
300	CHF 658.00	CHF 675.30	− 17.30
500	CHF 646.40	CHF 663.70	− 17.30
1'000	CHF 617.20	CHF 634.50	− 17.30
1'500	CHF 588.00	CHF 605.30	− 17.30
2'000	CHF 558.90	—	—
2'500	CHF 529.70	CHF 547.00	− 17.30

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

Against 2025, Helsana moves by + 6.7 % and KPT by + 4.7 % in this region.

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