SWICA or KPT?
Basic benefits are identical at SWICA and KPT — the law requires it. Only the price differs, and it differs from canton to canton. Here is where each one wins.
KPT is cheaper in 25 of 42 premium regions.
On average, KPT costs CHF 44 less per year.
Adult, CHF 300 deductible, accident cover included. Each insurer’s lowest premium, across all models.
Region by region
| Canton | Region | SWICA | KPT | Monthly gap |
|---|---|---|---|---|
| Aargau | single | CHF 503.80 | CHF 488.40 | +CHF 15.40 |
| Appenzell Innerrhoden | single | CHF 387.20 | CHF 364.90 | +CHF 22.30 |
| Appenzell Ausserrhoden | single | CHF 454.60 | CHF 444.00 | +CHF 10.60 |
| Bern | 1 | CHF 582.70 | CHF 578.10 | +CHF 4.60 |
| Bern | 2 | CHF 512.40 | CHF 520.10 | CHF -7.70 |
| Bern | 3 | CHF 485.90 | CHF 488.10 | CHF -2.20 |
| Basel-Landschaft | 1 | CHF 570.10 | CHF 569.30 | +CHF 0.80 |
| Basel-Landschaft | 2 | CHF 538.30 | CHF 531.30 | +CHF 7.00 |
| Basel-Stadt | single | CHF 593.90 | CHF 607.10 | CHF -13.20 |
| Fribourg | 1 | CHF 513.10 | CHF 516.60 | CHF -3.50 |
| Fribourg | 2 | CHF 480.90 | CHF 471.00 | +CHF 9.90 |
| Geneva | single | CHF 632.10 | CHF 626.60 | +CHF 5.50 |
| Glarus | single | CHF 447.10 | CHF 447.40 | CHF -0.30 |
| Grisons | 1 | CHF 492.50 | CHF 460.80 | +CHF 31.70 |
| Grisons | 2 | CHF 450.00 | CHF 447.90 | +CHF 2.10 |
| Grisons | 3 | CHF 450.90 | CHF 460.00 | CHF -9.10 |
| Jura | single | CHF 615.60 | CHF 583.30 | +CHF 32.30 |
| Lucerne | 1 | CHF 496.70 | CHF 498.70 | CHF -2.00 |
| Lucerne | 2 | CHF 476.60 | CHF 446.90 | +CHF 29.70 |
| Lucerne | 3 | CHF 437.40 | CHF 430.10 | +CHF 7.30 |
| Neuchâtel | single | CHF 562.20 | CHF 644.50 | CHF -82.30 |
| Nidwalden | single | CHF 413.40 | CHF 421.30 | CHF -7.90 |
| Obwalden | single | CHF 420.70 | CHF 459.70 | CHF -39.00 |
| St. Gallen | 1 | CHF 482.90 | CHF 487.30 | CHF -4.40 |
| St. Gallen | 2 | CHF 450.10 | CHF 448.50 | +CHF 1.60 |
| St. Gallen | 3 | CHF 431.30 | CHF 431.80 | CHF -0.50 |
| Schaffhausen | 1 | CHF 511.00 | CHF 503.60 | +CHF 7.40 |
| Schaffhausen | 2 | CHF 470.30 | CHF 469.00 | +CHF 1.30 |
| Solothurn | single | CHF 538.60 | CHF 525.60 | +CHF 13.00 |
| Schwyz | single | CHF 486.00 | CHF 468.60 | +CHF 17.40 |
| Thurgau | single | CHF 468.80 | CHF 467.40 | +CHF 1.40 |
| Ticino | 1 | CHF 669.50 | CHF 613.30 | +CHF 56.20 |
| Ticino | 2 | CHF 645.80 | CHF 565.90 | +CHF 79.90 |
| Uri | single | CHF 411.90 | CHF 418.90 | CHF -7.00 |
| Vaud | 1 | CHF 581.60 | CHF 622.10 | CHF -40.50 |
| Vaud | 2 | CHF 558.80 | CHF 562.50 | CHF -3.70 |
| Valais | 1 | CHF 493.80 | CHF 504.90 | CHF -11.10 |
| Valais | 2 | CHF 448.40 | CHF 443.80 | +CHF 4.60 |
| Zug | single | CHF 361.60 | CHF 346.50 | +CHF 15.10 |
| Zurich | 1 | CHF 553.70 | CHF 543.80 | +CHF 9.90 |
| Zurich | 2 | CHF 497.10 | CHF 483.30 | +CHF 13.80 |
| Zurich | 3 | CHF 463.40 | CHF 476.80 | CHF -13.40 |
A premium gap says nothing about service quality, reimbursement times or how easy it is to reach someone. Those things are not published, and we will not invent them.