KPT or ÖKK?
Basic benefits are identical at KPT and ÖKK — the law requires it. Only the price differs, and it differs from canton to canton. Here is where each one wins.
Neither dominates: KPT and ÖKK split Switzerland almost evenly.
On average, ÖKK costs CHF 23 less per year.
Adult, CHF 300 deductible, accident cover included. Each insurer’s lowest premium, across all models.
Region by region
| Canton | Region | KPT | ÖKK | Monthly gap |
|---|---|---|---|---|
| Aargau | single | CHF 488.40 | CHF 500.30 | CHF -11.90 |
| Appenzell Innerrhoden | single | CHF 364.90 | CHF 367.20 | CHF -2.30 |
| Appenzell Ausserrhoden | single | CHF 444.00 | CHF 436.80 | +CHF 7.20 |
| Bern | 1 | CHF 578.10 | CHF 585.20 | CHF -7.10 |
| Bern | 2 | CHF 520.10 | CHF 503.40 | +CHF 16.70 |
| Bern | 3 | CHF 488.10 | CHF 477.00 | +CHF 11.10 |
| Basel-Landschaft | 1 | CHF 569.30 | CHF 560.70 | +CHF 8.60 |
| Basel-Landschaft | 2 | CHF 531.30 | CHF 520.70 | +CHF 10.60 |
| Basel-Stadt | single | CHF 607.10 | CHF 610.80 | CHF -3.70 |
| Fribourg | 1 | CHF 516.60 | CHF 520.20 | CHF -3.60 |
| Fribourg | 2 | CHF 471.00 | CHF 477.90 | CHF -6.90 |
| Geneva | single | CHF 626.60 | CHF 656.80 | CHF -30.20 |
| Glarus | single | CHF 447.40 | CHF 477.00 | CHF -29.60 |
| Grisons | 1 | CHF 460.80 | CHF 463.50 | CHF -2.70 |
| Grisons | 2 | CHF 447.90 | CHF 435.60 | +CHF 12.30 |
| Grisons | 3 | CHF 460.00 | CHF 425.70 | +CHF 34.30 |
| Jura | single | CHF 583.30 | CHF 601.30 | CHF -18.00 |
| Lucerne | 1 | CHF 498.70 | CHF 481.40 | +CHF 17.30 |
| Lucerne | 2 | CHF 446.90 | CHF 458.50 | CHF -11.60 |
| Lucerne | 3 | CHF 430.10 | CHF 446.20 | CHF -16.10 |
| Neuchâtel | single | CHF 644.50 | CHF 607.50 | +CHF 37.00 |
| Nidwalden | single | CHF 421.30 | CHF 427.20 | CHF -5.90 |
| Obwalden | single | CHF 459.70 | CHF 427.20 | +CHF 32.50 |
| St. Gallen | 1 | CHF 487.30 | CHF 485.80 | +CHF 1.50 |
| St. Gallen | 2 | CHF 448.50 | CHF 455.90 | CHF -7.40 |
| St. Gallen | 3 | CHF 431.80 | CHF 447.10 | CHF -15.30 |
| Schaffhausen | 1 | CHF 503.60 | CHF 480.30 | +CHF 23.30 |
| Schaffhausen | 2 | CHF 469.00 | CHF 448.10 | +CHF 20.90 |
| Solothurn | single | CHF 525.60 | CHF 514.20 | +CHF 11.40 |
| Schwyz | single | CHF 468.60 | CHF 441.80 | +CHF 26.80 |
| Thurgau | single | CHF 467.40 | CHF 464.70 | +CHF 2.70 |
| Ticino | 1 | CHF 613.30 | CHF 637.80 | CHF -24.50 |
| Ticino | 2 | CHF 565.90 | CHF 574.20 | CHF -8.30 |
| Uri | single | CHF 418.90 | CHF 413.30 | +CHF 5.60 |
| Vaud | 1 | CHF 622.10 | CHF 594.00 | +CHF 28.10 |
| Vaud | 2 | CHF 562.50 | CHF 567.00 | CHF -4.50 |
| Valais | 1 | CHF 504.90 | CHF 499.50 | +CHF 5.40 |
| Valais | 2 | CHF 443.80 | CHF 432.00 | +CHF 11.80 |
| Zug | single | CHF 346.50 | CHF 379.40 | CHF -32.90 |
| Zurich | 1 | CHF 543.80 | CHF 556.30 | CHF -12.50 |
| Zurich | 2 | CHF 483.30 | CHF 496.70 | CHF -13.40 |
| Zurich | 3 | CHF 476.80 | CHF 453.10 | +CHF 23.70 |
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.