Sanitas or KPT in Region 3 of canton Zurich?

In Region 3, Sanitas is CHF 304.80 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 451.40 a month, KPT to CHF 476.80. The gap is CHF 304.80 a year, 300-franc deductible, accident cover included.

Neither is the cheapest here: that is Agrisano, at CHF 427.80 a month. Moving there rather than to Sanitas is worth CHF 283.20 more a year. Agrisano

Sanitas ranks 4 and KPT ranks 19, 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 524.80	CHF 563.90	− 39.10
500	CHF 513.20	CHF 552.30	− 39.10
1'000	CHF 484.00	CHF 523.10	− 39.10
1'500	CHF 454.80	CHF 493.90	− 39.10
2'000	CHF 425.70	—	—
2'500	CHF 396.50	CHF 435.60	− 39.10

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

Against 2025, Sanitas moves by + 4.3 % and KPT by + 4.7 % in this region.

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