KPT or EGK?
Basic benefits are identical at KPT and EGK — the law requires it. Only the price differs, and it differs from canton to canton. Here is where each one wins.
KPT is cheaper in 32 of 42 premium regions.
On average, KPT costs CHF 208 less per year.
Adult, CHF 300 deductible, accident cover included. Each insurer’s lowest premium, across all models.
Region by region
| Canton | Region | KPT | EGK | Monthly gap |
|---|---|---|---|---|
| Aargau | single | CHF 488.40 | CHF 481.70 | +CHF 6.70 |
| Appenzell Innerrhoden | single | CHF 364.90 | CHF 426.30 | CHF -61.40 |
| Appenzell Ausserrhoden | single | CHF 444.00 | CHF 447.90 | CHF -3.90 |
| Bern | 1 | CHF 578.10 | CHF 603.40 | CHF -25.30 |
| Bern | 2 | CHF 520.10 | CHF 511.70 | +CHF 8.40 |
| Bern | 3 | CHF 488.10 | CHF 491.10 | CHF -3.00 |
| Basel-Landschaft | 1 | CHF 569.30 | CHF 638.60 | CHF -69.30 |
| Basel-Landschaft | 2 | CHF 531.30 | CHF 548.10 | CHF -16.80 |
| Basel-Stadt | single | CHF 607.10 | CHF 649.00 | CHF -41.90 |
| Fribourg | 1 | CHF 516.60 | CHF 540.30 | CHF -23.70 |
| Fribourg | 2 | CHF 471.00 | CHF 478.10 | CHF -7.10 |
| Geneva | single | CHF 626.60 | CHF 641.10 | CHF -14.50 |
| Glarus | single | CHF 447.40 | CHF 482.30 | CHF -34.90 |
| Grisons | 1 | CHF 460.80 | CHF 548.10 | CHF -87.30 |
| Grisons | 2 | CHF 447.90 | CHF 514.80 | CHF -66.90 |
| Grisons | 3 | CHF 460.00 | CHF 467.90 | CHF -7.90 |
| Jura | single | CHF 583.30 | CHF 655.90 | CHF -72.60 |
| Lucerne | 1 | CHF 498.70 | CHF 491.60 | +CHF 7.10 |
| Lucerne | 2 | CHF 446.90 | CHF 451.20 | CHF -4.30 |
| Lucerne | 3 | CHF 430.10 | CHF 445.80 | CHF -15.70 |
| Neuchâtel | single | CHF 644.50 | CHF 623.00 | +CHF 21.50 |
| Nidwalden | single | CHF 421.30 | CHF 419.60 | +CHF 1.70 |
| Obwalden | single | CHF 459.70 | CHF 425.50 | +CHF 34.20 |
| St. Gallen | 1 | CHF 487.30 | CHF 508.20 | CHF -20.90 |
| St. Gallen | 2 | CHF 448.50 | CHF 457.80 | CHF -9.30 |
| St. Gallen | 3 | CHF 431.80 | CHF 454.50 | CHF -22.70 |
| Schaffhausen | 1 | CHF 503.60 | CHF 517.00 | CHF -13.40 |
| Schaffhausen | 2 | CHF 469.00 | CHF 486.80 | CHF -17.80 |
| Solothurn | single | CHF 525.60 | CHF 516.60 | +CHF 9.00 |
| Schwyz | single | CHF 468.60 | CHF 448.60 | +CHF 20.00 |
| Thurgau | single | CHF 467.40 | CHF 468.00 | CHF -0.60 |
| Ticino | 1 | CHF 613.30 | CHF 632.90 | CHF -19.60 |
| Ticino | 2 | CHF 565.90 | CHF 584.90 | CHF -19.00 |
| Uri | single | CHF 418.90 | CHF 425.20 | CHF -6.30 |
| Vaud | 1 | CHF 622.10 | CHF 626.40 | CHF -4.30 |
| Vaud | 2 | CHF 562.50 | CHF 554.30 | +CHF 8.20 |
| Valais | 1 | CHF 504.90 | CHF 530.40 | CHF -25.50 |
| Valais | 2 | CHF 443.80 | CHF 472.60 | CHF -28.80 |
| Zug | single | CHF 346.50 | CHF 395.80 | CHF -49.30 |
| Zurich | 1 | CHF 543.80 | CHF 571.30 | CHF -27.50 |
| Zurich | 2 | CHF 483.30 | CHF 517.10 | CHF -33.80 |
| Zurich | 3 | CHF 476.80 | CHF 466.50 | +CHF 10.30 |
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.