Sanitas or KPT in Region 1 of canton Zurich?

In Region 1, Sanitas is CHF 133.20 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

Sanitas comes down to CHF 532.70 a month, KPT to CHF 543.80. The gap is CHF 133.20 a year, 300-franc deductible, accident cover included.

Neither is the cheapest here: that is Atupri, at CHF 517.70 a month. Moving there rather than to Sanitas is worth CHF 180.00 more a year. Atupri

Sanitas ranks 6 and KPT ranks 9, 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	Sanitas	KPT	Gap
300	CHF 619.40	CHF 647.70	− 28.30
500	CHF 607.80	CHF 636.10	− 28.30
1'000	CHF 578.60	CHF 606.90	− 28.30
1'500	CHF 549.40	CHF 577.70	− 28.30
2'000	CHF 520.30	—	—
2'500	CHF 491.10	CHF 519.40	− 28.30

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

Against 2025, Sanitas moves by + 3.2 % and KPT by + 3.3 % in this region.

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