KPT or ÖKK in Region 2 of canton Vaud?
In Region 2, KPT is CHF 54.00 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 562.50 a month, ÖKK to CHF 567.00. The gap is CHF 54.00 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Assura-Basis, at CHF 537.30 a month. Moving there rather than to KPT is worth CHF 302.40 more a year. Assura-Basis
Where they stand in the region
KPT ranks 13 and ÖKK ranks 16, out of 21 active insurers in this region.
Deductible by deductible
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 671.10 | CHF 630.00 | + 41.10 |
| 500 | CHF 659.50 | CHF 618.40 | + 41.10 |
| 1'000 | CHF 630.30 | CHF 589.20 | + 41.10 |
| 1'500 | CHF 601.10 | CHF 560.00 | + 41.10 |
| 2'000 | — | CHF 530.90 | — |
| 2'500 | CHF 542.80 | CHF 501.70 | + 41.10 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | KPT | ÖKK |
|---|---|---|
| Other model | CHF 562.50 | CHF 582.80 |
| HMO practice | CHF 568.00 | CHF 598.50 |
| Family doctor | CHF 589.70 | CHF 567.00 |
| Free choice of doctor | CHF 671.10 | CHF 630.00 |
How they moved in this region
Against 2025, KPT moves by + 4.3 % and ÖKK by + 2.8 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.