Sanitas or KPT in Region 2 of canton Zurich?

In Region 2, KPT is CHF 61.20 a year cheaper than Sanitas 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 483.30 a month, Sanitas to CHF 488.40. The gap is CHF 61.20 a year, 300-franc deductible, accident cover included.

Neither is the cheapest here: that is Agrisano, at CHF 467.90 a month. Moving there rather than to KPT is worth CHF 184.80 more a year. Agrisano

Sanitas ranks 6 and KPT ranks 4, 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 567.80	CHF 572.00	− 4.20
500	CHF 556.20	CHF 560.40	− 4.20
1'000	CHF 527.00	CHF 531.20	− 4.20
1'500	CHF 497.80	CHF 502.00	− 4.20
2'000	CHF 468.70	—	—
2'500	CHF 439.50	CHF 443.70	− 4.20

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

Against 2025, Sanitas moves by + 3.8 % and KPT by + 3.3 % in this region.

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