KPT or ÖKK in Region 2 of canton Ticino?

In Region 2, KPT is CHF 99.60 a year cheaper than ÖKK 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 565.90 a month, ÖKK to CHF 574.20. The gap is CHF 99.60 a year, 300-franc deductible, accident cover included.

Neither is the cheapest here: that is Agrisano, at CHF 539.00 a month. Moving there rather than to KPT is worth CHF 322.80 more a year. Agrisano

KPT ranks 4 and ÖKK ranks 6, out of 21 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	ÖKK	Gap
300	CHF 675.30	CHF 660.00	+ 15.30
500	CHF 663.70	CHF 648.40	+ 15.30
1'000	CHF 634.50	CHF 619.20	+ 15.30
1'500	CHF 605.30	CHF 590.00	+ 15.30
2'000	—	CHF 560.90	—
2'500	CHF 547.00	CHF 531.70	+ 15.30

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

Against 2025, KPT moves by + 4.7 % and ÖKK by + 7.3 % in this region.

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