Adults · CHF 300 deductible · with accident cover · 2027
Premiums by canton and model
| Canton | Standard | GP/HMO | Flex | Telemedicine and other |
|---|---|---|---|---|
| Aargau | CHF 595.80 | CHF 511.70up to CHF 525.70 | CHF 549.10 | CHF 502.30up to CHF 530.40 |
| Appenzell Inner Rhodes | CHF 438.80 | CHF 392.20 | CHF 407.80 | CHF 376.70up to CHF 395.30 |
| Appenzell Outer Rhodes | CHF 546.40 | CHF 483.70 | CHF 504.60 | CHF 462.80up to CHF 487.90 |
| Basel-City | CHF 734.10 | CHF 643.20 | CHF 673.50 | CHF 612.90up to CHF 649.30 |
| Basel-Country2 premium regions | CHF 644.70up to CHF 696.60 | CHF 562.10up to CHF 605.70 | CHF 593.10up to CHF 639.80 | CHF 541.40up to CHF 617.00 |
| Bern3 premium regions | CHF 598.20up to CHF 701.00 | CHF 504.20up to CHF 603.60 | CHF 513.60up to CHF 597.90 | CHF 504.20up to CHF 620.80 |
| Fribourg2 premium regions | CHF 570.60up to CHF 622.90 | CHF 504.30up to CHF 548.70 | CHF 526.40up to CHF 573.40 | CHF 482.10up to CHF 553.70 |
| Geneva | CHF 755.00 | CHF 629.70up to CHF 661.00 | CHF 692.30 | CHF 629.70up to CHF 667.30 |
| Glarus | CHF 537.70 | CHF 476.30 | CHF 496.80 | CHF 455.80up to CHF 480.40 |
| Graubünden3 premium regions | CHF 551.60up to CHF 562.90 | CHF 462.70up to CHF 497.70 | CHF 509.30up to CHF 519.40 | CHF 466.90up to CHF 502.10 |
| Jura | CHF 735.30 | CHF 644.30 | CHF 674.60 | CHF 613.90up to CHF 650.30 |
| Lucerne3 premium regions | CHF 525.80up to CHF 621.10 | CHF 458.20up to CHF 547.20 | CHF 486.10up to CHF 571.80 | CHF 446.30up to CHF 552.10 |
| Neuchâtel | CHF 804.40 | CHF 703.00 | CHF 736.80 | CHF 669.20up to CHF 709.70 |
| Nidwalden | CHF 514.30 | CHF 456.40 | CHF 475.70 | CHF 437.10up to CHF 460.30 |
| Obwalden | CHF 531.70 | CHF 471.20 | CHF 491.40 | CHF 451.00up to CHF 475.20 |
| Schaffhausen2 premium regions | CHF 559.70up to CHF 603.40 | CHF 495.00up to CHF 532.10 | CHF 516.60up to CHF 555.90 | CHF 473.40up to CHF 536.90 |
| Schwyz | CHF 570.30 | CHF 504.00 | CHF 526.10 | CHF 481.90up to CHF 508.40 |
| Solothurn | CHF 640.50 | CHF 538.10up to CHF 563.70 | CHF 584.20 | CHF 538.10up to CHF 568.80 |
| St. Gallen3 premium regions | CHF 528.00up to CHF 594.40 | CHF 452.10up to CHF 524.50 | CHF 488.00up to CHF 547.80 | CHF 448.10up to CHF 529.10 |
| Thurgau | CHF 568.80 | CHF 502.70 | CHF 524.80 | CHF 480.70up to CHF 507.10 |
| Ticino2 premium regions | CHF 702.30up to CHF 764.00 | CHF 604.70up to CHF 655.90 | CHF 627.70up to CHF 681.40 | CHF 587.50up to CHF 675.00 |
| Uri | CHF 491.50 | CHF 437.00 | CHF 455.20 | CHF 418.90up to CHF 440.70 |
| Valais2 premium regions | CHF 543.60up to CHF 629.20 | CHF 464.70up to CHF 529.00 | CHF 502.10up to CHF 579.10 | CHF 460.50up to CHF 559.10 |
| Vaud2 premium regions | CHF 671.10up to CHF 745.50 | CHF 568.00up to CHF 640.60 | CHF 616.80up to CHF 683.80 | CHF 562.50up to CHF 659.10 |
| Zug | CHF 421.10 | CHF 377.20 | CHF 391.80 | CHF 362.50up to CHF 380.10 |
| Zurich3 premium regions | CHF 578.00up to CHF 663.90 | CHF 492.60up to CHF 572.80 | CHF 517.80up to CHF 588.90 | CHF 488.10up to CHF 588.90 |
Each cell shows the lowest premium among the models of that type; “up to” = highest premium across premium regions and tariffs. Until 2026, telemedicine and other models cover all models that the FOPH lists as “other”. Source: FOPH, health insurance premiums 2027, opendata.swiss; localities © swisstopo; as of 15.10.2026
Total cost in the “healthy” scenario
Cheapest tariffs by canton
For each canton, the KPT tariff with the lowest premium. Total cost per year with CHF 500 in healthcare costs (premium plus deductible and retention fee, as in the calculator); saving compared with the KPT standard model in the same region.
Aargau
KPTwin.smart - Hausarzt mit App
Premium / month
502.30
CHF
Total / year
CHF 6,348
Saving
−1,122
CHF / year
Appenzell Inner Rhodes
KPTwin.smart - Hausarzt mit App
Premium / month
376.70
CHF
Total / year
CHF 4,840
Saving
−745
CHF / year
Appenzell Outer Rhodes
KPTwin.smart - Hausarzt mit App
Premium / month
462.80
CHF
Total / year
CHF 5,874
Saving
−1,003
CHF / year
Basel-City
KPTwin.smart - Hausarzt mit App
Premium / month
612.90
CHF
Total / year
CHF 7,675
Saving
−1,454
CHF / year
Basel-Country
KPTwin.smart - Hausarzt mit App · region 2
Premium / month
541.40
CHF
Total / year
CHF 6,817
Saving
−1,240
CHF / year
Bern
KPTwin.doc - Hausarzt · region 3
Premium / month
504.20
CHF
Total / year
CHF 6,370
Saving
−1,128
CHF / year
Fribourg
KPTwin.smart - Hausarzt mit App · region 2
Premium / month
482.10
CHF
Total / year
CHF 6,105
Saving
−1,062
CHF / year
Geneva
KPTwin.plus - HMO-Hausarzt
Premium / month
629.70
CHF
Total / year
CHF 7,876
Saving
−1,504
CHF / year
Glarus
KPTwin.smart - Hausarzt mit App
Premium / month
455.80
CHF
Total / year
CHF 5,790
Saving
−983
CHF / year
Graubünden
KPTwin.doc - Hausarzt · region 2
Premium / month
462.70
CHF
Total / year
CHF 5,872
Saving
−1,067
CHF / year
Jura
KPTwin.smart - Hausarzt mit App
Premium / month
613.90
CHF
Total / year
CHF 7,687
Saving
−1,457
CHF / year
Lucerne
KPTwin.smart - Hausarzt mit App · region 3
Premium / month
446.30
CHF
Total / year
CHF 5,676
Saving
−954
CHF / year
Neuchâtel
KPTwin.smart - Hausarzt mit App
Premium / month
669.20
CHF
Total / year
CHF 8,350
Saving
−1,622
CHF / year
Nidwalden
KPTwin.smart - Hausarzt mit App
Premium / month
437.10
CHF
Total / year
CHF 5,565
Saving
−926
CHF / year
Obwalden
KPTwin.smart - Hausarzt mit App
Premium / month
451.00
CHF
Total / year
CHF 5,732
Saving
−968
CHF / year
Schaffhausen
KPTwin.smart - Hausarzt mit App · region 2
Premium / month
473.40
CHF
Total / year
CHF 6,001
Saving
−1,036
CHF / year
Schwyz
KPTwin.smart - Hausarzt mit App
Premium / month
481.90
CHF
Total / year
CHF 6,103
Saving
−1,061
CHF / year
Solothurn
KPTwin.plus - HMO-Hausarzt
Premium / month
538.10
CHF
Total / year
CHF 6,777
Saving
−1,229
CHF / year
St. Gallen
KPTwin.smart - Hausarzt mit App · region 3
Premium / month
448.10
CHF
Total / year
CHF 5,697
Saving
−959
CHF / year
Thurgau
KPTwin.smart - Hausarzt mit App
Premium / month
480.70
CHF
Total / year
CHF 6,088
Saving
−1,057
CHF / year
Ticino
KPTwin.smart - Hausarzt mit App · region 2
Premium / month
587.50
CHF
Total / year
CHF 7,370
Saving
−1,378
CHF / year
Uri
KPTwin.smart - Hausarzt mit App
Premium / month
418.90
CHF
Total / year
CHF 5,347
Saving
−871
CHF / year
Valais
KPTwin.smart - Hausarzt mit App · region 2
Premium / month
460.50
CHF
Total / year
CHF 5,846
Saving
−997
CHF / year
Vaud
KPTwin.smart - Hausarzt mit App · region 2
Premium / month
562.50
CHF
Total / year
CHF 7,070
Saving
−1,303
CHF / year
Zug
KPTwin.smart - Hausarzt mit App
Premium / month
362.50
CHF
Total / year
CHF 4,670
Saving
−703
CHF / year
Zurich
KPTwin.smart - Hausarzt mit App · region 3
Premium / month
488.10
CHF
Total / year
CHF 6,177
Saving
−1,079
CHF / year
2026 → 2027
Change from the previous year
| Canton | 2026 | 2027 | Change | Average of all insurers |
|---|---|---|---|---|
| Aargau | CHF 578.40 | CHF 595.80 | +3.0% | +4.8% |
| Appenzell Inner Rhodes | CHF 424.00 | CHF 438.80 | +3.5% | +4.4% |
| Appenzell Outer Rhodes | CHF 522.90 | CHF 546.40 | +4.5% | +4.7% |
| Basel-City | CHF 726.80 | CHF 734.10 | +1.0% | +3.7% |
| Basel-Country | CHF 655.85 | CHF 670.65 | +2.3% | +4.0% |
| Bern | CHF 628.87 | CHF 643.20 | +2.3% | +3.9% |
| Fribourg | CHF 585.20 | CHF 596.75 | +2.0% | +3.9% |
| Geneva | CHF 751.20 | CHF 755.00 | +0.5% | +1.9% |
| Glarus | CHF 527.20 | CHF 537.70 | +2.0% | +3.9% |
| Graubünden | CHF 541.63 | CHF 557.00 | +2.8% | +3.7% |
| Jura | CHF 697.00 | CHF 735.30 | +5.5% | +4.8% |
| Lucerne | CHF 543.10 | CHF 564.83 | +4.0% | +4.5% |
| Neuchâtel | CHF 773.50 | CHF 804.40 | +4.0% | +3.3% |
| Nidwalden | CHF 494.50 | CHF 514.30 | +4.0% | +4.2% |
| Obwalden | CHF 542.50 | CHF 531.70 | −2.0% | +3.8% |
| Schaffhausen | CHF 575.80 | CHF 581.55 | +1.0% | +4.5% |
| Schwyz | CHF 553.70 | CHF 570.30 | +3.0% | +3.9% |
| Solothurn | CHF 624.90 | CHF 640.50 | +2.5% | +4.8% |
| St. Gallen | CHF 537.80 | CHF 556.50 | +3.5% | +3.9% |
| Thurgau | CHF 552.20 | CHF 568.80 | +3.0% | +4.6% |
| Ticino | CHF 704.95 | CHF 733.15 | +4.0% | +4.0% |
| Uri | CHF 491.50 | CHF 491.50 | +0.0% | +4.1% |
| Valais | CHF 563.85 | CHF 586.40 | +4.0% | +3.6% |
| Vaud | CHF 708.30 | CHF 708.30 | +0.0% | +2.6% |
| Zug | CHF 401.00 | CHF 421.10 | +5.0% | +2.8% |
| Zurich | CHF 594.53 | CHF 611.30 | +2.8% | +4.8% |
Reference: the insurer’s lowest standard tariff, averaged across its premium regions in the canton (adults, CHF 300 deductible, with accident cover). Source: FOPH premiums for both years.
Frequently asked questions
How much are KPT premiums in 2027?
For adults in the standard model with a CHF 300 deductible and accident cover, the monthly premium at KPT in 2027 ranges from CHF 421.10 (canton of Zug) to CHF 804.40 (canton of Neuchâtel). With a higher deductible or a model, the premium is lower.
Which models does KPT offer?
In 2027, KPT has premiums for 4 model types: 1 tariff of the Standard type, 2 tariffs of the GP/HMO type, 1 tariff of the Flex type and 2 tariffs of the Telemedicine and other type. Which of them apply where you live depends on the catchment area.
Is KPT more expensive than other insurers?
On average across all of the insurer’s premium regions, the 2027 index is 99.1 (100 = average of all insurers in the same regions; adults, standard model, CHF 300 deductible, with accident cover). This varies by canton; the table above shows every canton. For where you live, what counts is the comparison in the premium calculator.
Sources
- FOPH, register of approved health insurers, as of 01.01.2026priminfo.admin.ch
- FOPH, health insurance premiums 2011–2027 (opendata.swiss)opendata.swiss
- FOPH, supervisory data for compulsory health insurance (T 5.01), data as of 22.05.2025bag.admin.ch
- FOPH, KVG solvency test (KVD, reserves of health insurers)opendata.swiss
- KPT: website (address), retrieved on 25.09.2026kpt.ch
- KPT: website (physician search), retrieved on 25.09.2026kpt.ch
- KPT: website (contact), retrieved on 25.09.2026kpt.ch