KPT or Mutuel in Region 1 of canton Zurich?

In Region 1, KPT is CHF 116.40 a year cheaper than Mutuel for an adult on the same profile. Here is the detail — and what a third insurer would do.

The verdict, in this region

KPT comes down to CHF 543.80 a month, Mutuel to CHF 553.50. The gap is CHF 116.40 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 KPT is worth CHF 313.20 more a year. Atupri

KPT ranks 9 and Mutuel ranks 11, 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	KPT	Mutuel	Gap
300	CHF 647.70	CHF 639.80	+ 7.90
500	CHF 636.10	CHF 628.30	+ 7.80
1'000	CHF 606.90	CHF 599.30	+ 7.60
1'500	CHF 577.70	CHF 569.80	+ 7.90
2'000	—	CHF 540.80	—
2'500	CHF 519.40	CHF 511.80	+ 7.60

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

Against 2025, KPT moves by + 3.3 % and Mutuel by + 3.6 % in this region.

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