KPT or Mutuel in Region 2 of canton Zurich?

In Region 2, KPT is CHF 576.00 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 483.30 a month, Mutuel to CHF 531.30. The gap is CHF 576.00 a year, 300-franc deductible, accident cover included.

Neither is the cheapest here: that is Agrisano, at CHF 467.90 a month. Moving there rather than to KPT is worth CHF 184.80 more a year. Agrisano

KPT ranks 4 and Mutuel ranks 23, 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 572.00	CHF 614.30	− 42.30
500	CHF 560.40	CHF 602.80	− 42.40
1'000	CHF 531.20	CHF 573.80	− 42.60
1'500	CHF 502.00	CHF 544.30	− 42.30
2'000	—	CHF 515.30	—
2'500	CHF 443.70	CHF 486.30	− 42.60

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.