Health insurance premium calculator
Your health insurance premiums are influenced by where you live, your age and the insurance model you choose. Use our premium calculator to receive a no-obligation quote. If you wish, we can also provide free advice and help you find the most cost-effective solution.
Enter your gender, date of birth and postcode. Calculate premiums for yourself or your entire family and then request a direct, no-obligation health insurance quote. You can also register your baby before birth. Basic and supplementary health insurance can also be taken out online.
What do I need to know about health insurance advice?
Good health insurance advice caters to you and your needs. It’s not only about the premiums. You also need to consider the benefits offered and your personal circumstances.
1./ Think about your personal circumstances:
Do you travel frequently? Are you planning a pregnancy? Do you need cover for glasses, fitness activities or dental treatment?
2./ Think about your personal circumstances:
Do you travel frequently? Are you planning a pregnancy? Do you need cover for glasses, fitness activities or dental treatment?
3./ Be aware of cancellation deadlines:
Only cancel your current supplementary health insurance once your switch has been confirmed. You will need to complete a health questionnaire for your new supplementary health insurance. Different notice periods apply to basic health insurance and supplementary health insurance.
Everything you need to know about switching your health insurer
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.
Health insurance premiums vary depending on where you live and your age, as well as your chosen deductible and insurance model. Comparing different options can save you money.
- The KPT premium calculator shows you how much your premium would be under different basic health insurance models.
- Also note that if you work at least eight hours per week, you can exclude accident cover.
- Our overview shows the cheapest KPT basic health insurance model for your city.
- Visit our comparison page to compare all our basic health insurance models.
Money-saving tip: In many Swiss cities, KPTwin.smart is KPT’s most affordable basic health insurance model. With this model, you start by answering a few health-related questions in the app, which recommends your next steps. Afterwards, you are also free to visit your GP in person.
Optimally insured for all life events
Whether you’re welcoming a new baby, starting school or university, coming of age, flying the nest or retiring: life brings new insurance questions. We’re here to support and advise you at every step.
Frequently asked questions
Customer satisfaction
Our products, advice and services are consistently rated excellent by our customers.
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.
