Helsana or KPT in Region 2 of canton Vaud?

In Region 2, Helsana is CHF 28.80 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

Helsana comes down to CHF 560.10 a month, KPT to CHF 562.50. The gap is CHF 28.80 a year, 300-franc deductible, accident cover included.

What the question hides

Neither is the cheapest here: that is Assura-Basis, at CHF 537.30 a month. Moving there rather than to Helsana is worth CHF 273.60 more a year. Assura-Basis

Where they stand in the region

Helsana ranks 10 and KPT ranks 13, 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	Helsana	KPT	Gap
300	CHF 659.00	CHF 671.10	− 12.10
500	CHF 647.40	CHF 659.50	− 12.10
1'000	CHF 618.20	CHF 630.30	− 12.10
1'500	CHF 589.00	CHF 601.10	− 12.10
2'000	CHF 559.90	—	—
2'500	CHF 530.70	CHF 542.80	− 12.10

Model by model

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

Model	Helsana	KPT
Other model	CHF 560.10	CHF 562.50
Family doctor	CHF 560.10	CHF 589.70
Free choice of doctor	CHF 659.00	CHF 671.10
HMO practice	—	CHF 568.00

How they moved in this region

Against 2025, Helsana moves by + 7.5 % and KPT by + 4.3 % in this region.

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