KPT or Mutuel?
Basic benefits are identical at KPT and Mutuel — 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 33 of 42 premium regions.
On average, KPT costs CHF 362 less per year.
Adult, CHF 300 deductible, accident cover included. Each insurer’s lowest premium, across all models.
Region by region
| Canton | Region | KPT | Mutuel | Monthly gap |
|---|---|---|---|---|
| Aargau | single | CHF 488.40 | CHF 500.20 | CHF -11.80 |
| Appenzell Innerrhoden | single | CHF 364.90 | CHF 422.20 | CHF -57.30 |
| Appenzell Ausserrhoden | single | CHF 444.00 | CHF 558.50 | CHF -114.50 |
| Bern | 1 | CHF 578.10 | CHF 601.20 | CHF -23.10 |
| Bern | 2 | CHF 520.10 | CHF 553.10 | CHF -33.00 |
| Bern | 3 | CHF 488.10 | CHF 529.00 | CHF -40.90 |
| Basel-Landschaft | 1 | CHF 569.30 | CHF 572.40 | CHF -3.10 |
| Basel-Landschaft | 2 | CHF 531.30 | CHF 538.00 | CHF -6.70 |
| Basel-Stadt | single | CHF 607.10 | CHF 593.60 | +CHF 13.50 |
| Fribourg | 1 | CHF 516.60 | CHF 542.10 | CHF -25.50 |
| Fribourg | 2 | CHF 471.00 | CHF 512.30 | CHF -41.30 |
| Geneva | single | CHF 626.60 | CHF 624.40 | +CHF 2.20 |
| Glarus | single | CHF 447.40 | CHF 476.50 | CHF -29.10 |
| Grisons | 1 | CHF 460.80 | CHF 479.50 | CHF -18.70 |
| Grisons | 2 | CHF 447.90 | CHF 467.60 | CHF -19.70 |
| Grisons | 3 | CHF 460.00 | CHF 455.60 | +CHF 4.40 |
| Jura | single | CHF 583.30 | CHF 591.80 | CHF -8.50 |
| Lucerne | 1 | CHF 498.70 | CHF 560.60 | CHF -61.90 |
| Lucerne | 2 | CHF 446.90 | CHF 526.90 | CHF -80.00 |
| Lucerne | 3 | CHF 430.10 | CHF 521.30 | CHF -91.20 |
| Neuchâtel | single | CHF 644.50 | CHF 624.00 | +CHF 20.50 |
| Nidwalden | single | CHF 421.30 | CHF 511.40 | CHF -90.10 |
| Obwalden | single | CHF 459.70 | CHF 442.10 | +CHF 17.60 |
| St. Gallen | 1 | CHF 487.30 | CHF 527.60 | CHF -40.30 |
| St. Gallen | 2 | CHF 448.50 | CHF 490.70 | CHF -42.20 |
| St. Gallen | 3 | CHF 431.80 | CHF 464.30 | CHF -32.50 |
| Schaffhausen | 1 | CHF 503.60 | CHF 555.20 | CHF -51.60 |
| Schaffhausen | 2 | CHF 469.00 | CHF 527.50 | CHF -58.50 |
| Solothurn | single | CHF 525.60 | CHF 509.40 | +CHF 16.20 |
| Schwyz | single | CHF 468.60 | CHF 453.00 | +CHF 15.60 |
| Thurgau | single | CHF 467.40 | CHF 488.50 | CHF -21.10 |
| Ticino | 1 | CHF 613.30 | CHF 683.60 | CHF -70.30 |
| Ticino | 2 | CHF 565.90 | CHF 649.40 | CHF -83.50 |
| Uri | single | CHF 418.90 | CHF 482.30 | CHF -63.40 |
| Vaud | 1 | CHF 622.10 | CHF 617.50 | +CHF 4.60 |
| Vaud | 2 | CHF 562.50 | CHF 580.50 | CHF -18.00 |
| Valais | 1 | CHF 504.90 | CHF 503.20 | +CHF 1.70 |
| Valais | 2 | CHF 443.80 | CHF 478.10 | CHF -34.30 |
| Zug | single | CHF 346.50 | CHF 364.00 | CHF -17.50 |
| Zurich | 1 | CHF 543.80 | CHF 553.50 | CHF -9.70 |
| Zurich | 2 | CHF 483.30 | CHF 531.30 | CHF -48.00 |
| Zurich | 3 | CHF 476.80 | CHF 492.60 | CHF -15.80 |
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.