KPT Health Insurance: In-Depth Review
A reliable Swiss health insurer known for competitive premiums, good digital services, and solid English support. Here's everything you need to know about KPT.
Company Overview
Key Facts
- Founded: 1890
- Headquarters: Bern
- Insured Persons: 430,000+
- Market Share: 4.3%
- Customer Rating: 4.2/5.0
Service Languages
KPT offers service in all listed languages, with good English support available. Their documentation, customer service, and digital platforms are accessible in English, making them a suitable option for international residents in Switzerland.
Strengths and Limitations
Key Strengths
- Competitive basic insurance premiums
- Good digital services and innovation
- Solid English support for expats
- Strong preventive healthcare focus
- Transparent pricing structure
- Good customer service ratings
Limitations
- Smaller provider with less market presence
- Limited physical office locations
- Fewer specialized supplementary options than larger insurers
- Less extensive hospital network in some regions
Digital Services
Digital Features
- User-friendly customer portal (myKPT)
- Well-designed mobile app
- Digital insurance card
- Online claims submission with photo upload
- Electronic document management
- Virtual consultations
Benefits
- Fast and efficient claims processing
- Intuitive user interface
- Multilingual support including English
- 24/7 access to insurance information
KPT Basic Insurance Models
KPT offers several models for basic insurance, allowing you to save on premiums by choosing certain restrictions on your first point of medical contact.
| Model | How It Works | Potential Savings | Best For |
|---|---|---|---|
| Standard Model | Free choice of doctors and specialists | None (base premium) | Those prioritizing maximum flexibility |
| Family Doctor Model | Family doctor as first point of contact | Up to 15% | Those with a trusted family doctor |
| KPTwin.doc (HMO) | HMO center as first point of contact | Up to 20% | Urban residents seeking significant savings |
| KPTwin.call (Telmed) | Telemedical consultation first | Up to 17% | Tech-savvy individuals valuing convenience |
Understanding Deductibles (Franchise)
The deductible is the amount you pay out-of-pocket before your insurance starts covering costs. KPT offers various options:
- CHF 300: Standard deductible, highest premiums
- CHF 500, 1000, 1500, 2000: Intermediate options
- CHF 2500: Highest deductible, lowest premiums (up to 40% savings)
After your deductible is met, you pay a 10% co-payment on all costs up to CHF 700 per year.
KPT Supplementary Insurance Options
While basic insurance provides essential coverage, KPT's supplementary plans offer enhanced benefits and services for more comprehensive protection.
Comfort
- Comprehensive outpatient coverage
- Alternative medicine treatments
- Fitness contributions
- Vision and hearing aids
- Preventive care benefits
- Medication coverage
Active
- Sports medicine and fitness focus
- Accident prevention
- Rehabilitation services
- Sports-related therapies
- Fitness tracking integration
- Health promotion benefits
Hospital
- Private or semi-private hospital rooms
- Free choice of doctor
- Worldwide hospital coverage
- Comfort services during hospital stays
- Flexible options (Hospital Flex)
Dental
- Dental check-ups and hygiene
- Dental treatments
- Orthodontic work
- Various coverage levels available
- Preventive dental care
Important Considerations
- Health Check: Unlike basic insurance, supplementary plans require a health questionnaire and may exclude pre-existing conditions.
- Timing: It's best to apply when you're in good health, as acceptance becomes more difficult with age or health issues.
- Cancellation Terms: Supplementary insurance typically has different cancellation terms than basic insurance (often 3 months' notice).
KPT for English Speakers
English Services
KPT offers good support for English speakers, making it a suitable choice for international residents in Switzerland.
- English-speaking customer service representatives
- Key documentation available in English
- English website and app interface
- Support for newcomers to the Swiss system
For Newcomers to Switzerland
If you've recently moved to Switzerland, KPT offers several advantages:
- Competitive premiums for basic insurance
- User-friendly digital services
- Alternative insurance models to reduce costs
- Helpful guidance through the Swiss insurance system
KPT for Specific Groups
For Families
- Family-friendly coverage options
- Comprehensive maternity coverage
- Child-specific supplementary options
- Family discounts available
For Active Individuals
- Active supplementary package
- Sports medicine coverage
- Fitness contributions
- Preventive health programs
For International Residents
- Good English language support
- Digital-first approach for convenience
- International coverage options
- Support for navigating Swiss healthcare
Premiums and Costs
KPT offers competitive premiums, particularly for basic insurance. While exact figures vary based on individual circumstances, here are the key factors affecting your premium:
Premium Factors
- Canton of residence
- Age group
- Chosen insurance model
- Selected deductible
- Supplementary coverage options
Cost-Saving Strategies
- Choose an alternative insurance model
- Opt for a higher deductible if healthy
- Pay premiums annually for potential discounts
- Review supplementary coverage needs regularly
- Check eligibility for premium subsidies
Get Personalized Premium Quotes
For accurate premium information based on your specific situation, use our AI calculator or schedule a free consultation with our insurance experts.
Frequently Asked Questions
How does KPT compare to larger Swiss insurers?
KPT is a mid-sized insurer that often offers more competitive basic insurance premiums than some larger providers. While they may have fewer physical locations and specialized supplementary options, they excel in digital services and customer support. Their size allows for more personalized service, though their provider network might be less extensive in some regions compared to larger insurers like Helsana or CSS.
How good is KPT's English support?
KPT offers good English support through their customer service, with English-speaking staff available to handle insurance matters. Their website and app are available in English, and key documentation is provided in English. While their English services may not be as extensive as some larger insurers like Helsana or Sanitas, they're sufficient for most English-speaking residents' needs, making KPT a viable option for expats.
What makes KPT's supplementary insurance stand out?
KPT's supplementary packages are known for their clarity and good value. Their "Comfort" package offers comprehensive coverage for alternative medicine, preventive care, and fitness contributions at competitive rates. The "Active" package is particularly notable for its focus on sports medicine and fitness, making it attractive for active individuals. While they may offer fewer specialized options than larger insurers, their packages are well-designed with transparent pricing and good coverage limits.
Is KPT a good choice for newcomers to Switzerland?
Yes, KPT can be an excellent choice for newcomers, particularly those looking for competitive premiums and digital convenience. Their English support is sufficient for most needs, and their straightforward approach to insurance makes the Swiss system easier to navigate. Their digital-first approach means you can manage most insurance matters online without visiting an office, which is convenient for busy professionals or those new to the country.
How do I switch to KPT from another Swiss insurer?
For basic insurance, you can switch to KPT by giving notice to your current insurer by November 30th for a January 1st change. For supplementary insurance, the notice period is typically three months, but check your current policy. It's important to secure acceptance from KPT for supplementary insurance before canceling your existing coverage. Our experts can guide you through this process to ensure a smooth transition.
Interested in KPT Insurance?
Compare KPT's premiums with other providers and get expert guidance on choosing the right coverage for your needs.