Helsana or KPT in Region 3 of canton Zurich?

In Region 3, Helsana is CHF 144.00 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 464.80 a month, KPT to CHF 476.80. The gap is CHF 144.00 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 Helsana is worth CHF 444.00 more a year. Agrisano

Helsana ranks 12 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	Helsana	KPT	Gap
300	CHF 560.00	CHF 563.90	− 3.90
500	CHF 548.40	CHF 552.30	− 3.90
1'000	CHF 519.20	CHF 523.10	− 3.90
1'500	CHF 490.00	CHF 493.90	− 3.90
2'000	CHF 460.90	—	—
2'500	CHF 431.70	CHF 435.60	− 3.90

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

Against 2025, Helsana moves by + 5.2 % and KPT by + 4.7 % in this region.

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