Helsana or KPT in Region 1 of canton Zurich?

In Region 1, Helsana is CHF 122.40 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 533.60 a month, KPT to CHF 543.80. The gap is CHF 122.40 a year, 300-franc deductible, accident cover included.

Neither is the cheapest here: that is Atupri, at CHF 517.70 a month. Moving there rather than to Helsana is worth CHF 190.80 more a year. Atupri

Helsana ranks 7 and KPT ranks 9, 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	Helsana	KPT	Gap
300	CHF 643.00	CHF 647.70	− 4.70
500	CHF 631.40	CHF 636.10	− 4.70
1'000	CHF 602.20	CHF 606.90	− 4.70
1'500	CHF 573.00	CHF 577.70	− 4.70
2'000	CHF 543.90	—	—
2'500	CHF 514.70	CHF 519.40	− 4.70

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

Against 2025, Helsana moves by + 5.3 % and KPT by + 3.3 % in this region.

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