KPT or ÖKK in Region 3 of canton Zurich?
In Region 3, ÖKK is CHF 284.40 a year cheaper than KPT for an adult on the same profile. Here is the detail — and what a third insurer would do.
The verdict, in this region
ÖKK comes down to CHF 453.10 a month, KPT to CHF 476.80. The gap is CHF 284.40 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 427.80 a month. Moving there rather than to ÖKK is worth CHF 303.60 more a year. Agrisano
Where they stand in the region
KPT ranks 19 and ÖKK ranks 6, out of 27 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 563.90 | CHF 509.00 | + 54.90 |
| 500 | CHF 552.30 | CHF 497.40 | + 54.90 |
| 1'000 | CHF 523.10 | CHF 468.20 | + 54.90 |
| 1'500 | CHF 493.90 | CHF 439.00 | + 54.90 |
| 2'000 | — | CHF 409.90 | — |
| 2'500 | CHF 435.60 | CHF 380.70 | + 54.90 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | KPT | ÖKK |
|---|---|---|
| Other model | CHF 476.80 | CHF 465.80 |
| HMO practice | CHF 476.80 | CHF 453.10 |
| Family doctor | CHF 498.60 | CHF 458.10 |
| Free choice of doctor | CHF 563.90 | CHF 509.00 |
How they moved in this region
Against 2025, KPT moves by + 4.7 % and ÖKK by + 6.7 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.