Policy
Understand your policy
A policy contains a lot of information. We guide you step by step through the document.
1 Contact for your policy
Do you have any questions about your policy? These are the contact details for your personal advisory team.
2 Your basic health insurance
This shows which basic health insurance plan you have taken out with us.
3 Your chosen annual deductibleⓘ
This shows the annual deductibleⓘ that you selected.
4 Accident insurance: yes or no?
If you work at least 8 hours per week, your employer insures you against accidents. If you do not, you have to take out accident insurance as part of your basic health insurance. In this case, this will be listed on your policy here.
5 Environmental tax refund
The Swiss government levies incentive taxes on non-renewable energies such as petrol, heating oil or natural gas. The revenue from this does not remain in the state treasury, but is evenly distributed to the public via health insurance funds. Your policy shows you the current amount. This is deducted from your monthly premium.
6 Contribution to general disease prevention
Everyone with basic health insurance pays a small amount towards general disease prevention. This is used to finance vaccination programmes, health campaigns and the like. Payment is prescribed by the Federal Law on Health Insurance (Art. 20 (1) HIA). For more information, please visit gesundheitsfoerderung.ch.
The amount indicated here in cents is included in your monthly premium.
7 Your supplementary insurance
This shows all supplementary insurance plans that you have taken out with KPT. If you use the KPTnet customer portal, you will receive Internet legal protection insurance free of charge.
8 Loyalty discount
If you take out the following insurance plans for 3 years, you will receive a loyalty discount:
Pulse supplementary outpatient insurance
Supplementary hospital insurance
