Health insurance comparison 2027
Which of KPT’s health insurance models would be best for you? And what are the advantages and disadvantages? Compare the KPT basic health insurance models now. All the models offer identical benefits; the only difference is the first point of contact in the event of illness.
Compare basic health insurance models
The following table will help you decide which KPT health insurance model would be best for you. Some offer more flexibility and others more personalised support to suit individual requirements. All provide comprehensive, legally compliant basic health insurance cover.
Digital model with GP
KPTwin.smartWith the digital model, you do everything in the Well app: check symptoms, order medication and consult specialists.
Receive a 14 to 20% discount on your monthly premium compared to the standard model.
GP (family doctor) model
KPTwin.docWith the GP model, your GP is your first point of contact. The Medi24 telemedicine advice centre also offers you advice over the telephone.
Receive a 10 to 21% discount on your monthly premium compared to the standard model.
Telmed model with a GP and pharmacy
KPTwin.winWith the telmed model, you call Medi24, go to your GP practice or visit a partner pharmacy.
Receive a 5 to 20% discount on your monthly premium compared to the standard model.
HMO model
KPTwin.plusWith the HMO model, you select your preferred network doctor in a doctor's network. You also have access to other medical professionals within the network.
Receive a 10 to 20% discount on your monthly premium compared to the standard model.
Medi model
KPTwin.easyWith the Medi model, the Medi24 telemedicine advice centre is your first point of contact. The Zur Rose pharmacy posts your medication to you.
Receive a 10 to 14% discount on your monthly premium compared to the standard model.
Free choice of doctor model
StandardWith the standard model, you have a free choice of doctor anywhere in Switzerland. This flexibility does have its price, but the trade-off is complete freedom.
Reduce your premium by choosing a higher deductible.
What basic health insurance covers
The services covered by basic health insurance are the same throughout Switzerland. You and your health insurer share the cost. You first pay the , then the and the . The rest is paid by the health insurer, providing the services are covered by basic health insurance.
All services simply explained
These explanations are based on the legal principles established by the Federal Law on Health Insurance (HIA) and the Health Insurance Benefits Ordinance (HIBO). They provide binding information as to what basic health insurance covers.
Fitness membership or semi-private and private hospital wards
Basic health insurance does not cover all health costs in full. Whether a fitness membership or the private ward in a hospital – additional cover for such services can be acquired through supplementary insurance.
FAQ on health insurance comparison
Contact us for advice
Our team is available Monday to Thursday, 8:00 to 12:00 and 13:30 to 17:00, Friday from 08:00 to 12:00 and 13:30 to 16:00. On request, we can also offer you a consultation at a pre-arranged time and date, for example during your lunch break.
General insurance tips
Family doctor model: how does it work and what are the advantages and disadvantages?
Your GP (family doctor) is your first point of contact in the event of medical problems. The coordination of your treatment by the GP provides efficiency and reduces costs. With our GP (family doctor) models KPTwin.doc and KPTwin.win as well as our digital model with GP KPTwin.smart, we pass this saving on to you in the form of generous premium discounts. You can also make use of our free telemedical consultation service 24/7. With KPTwin.win, you can additionally contact partner pharmacies as a first port of call.
Changing your health insurer: deadlines and procedure
In Switzerland, you can give notice of your intention to cancel your basic health insurance up to 30 November and switch as of 1 January. Please note that you must not have any unpaid bills with your health insurer on 31 December. Other deadlines apply to supplementary health insurance. Read on to find out how to change health insurer and how to save when doing so.
What is the HMO model and what are the advantages and disadvantages?
In Switzerland, the HMO model is an alternative, cost-effective insurance model for basic health insurance. HMO stands for health maintenance organisation. With the HMO model, you choose a doctor from a doctors’ network to be your first point of contact. They may refer you to other specialists as and when necessary. An HMO model can also include group practices in which general practitioners, specialists and therapists collaborate to provide care.
Save time with the user-friendly online symptom checker
Dry cough, or is it pneumonia? With the Well app, you can simply check your symptoms online and immediately receive a medical assessment based on the information provided. You can then follow the recommendations or contact your GP if necessary. It is so convenient – the Well app and symptom checker form part of the digital basic health insurance model, KPTwin.smart, meaning you can manage your health using the app and save both time and doctor’s costs.
Tips on how to save on your health insurance
Rising healthcare costs lead to higher health insurance premiums. Despite this, there are still ways to save. Find out what discounts are available on basic and supplementary insurance plans.
