KPT or Mutuel in Region 3 of canton Zurich?

In Region 3, KPT is CHF 189.60 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 476.80 a month, Mutuel to CHF 492.60. The gap is CHF 189.60 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 KPT is worth CHF 588.00 more a year. Agrisano

KPT ranks 19 and Mutuel ranks 20, 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 563.90	CHF 569.50	− 5.60
500	CHF 552.30	CHF 558.00	− 5.70
1'000	CHF 523.10	CHF 529.00	− 5.90
1'500	CHF 493.90	CHF 499.50	− 5.60
2'000	—	CHF 470.50	—
2'500	CHF 435.60	CHF 441.50	− 5.90

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

Against 2025, KPT moves by + 4.7 % and Mutuel by + 3.6 % in this region.

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