Health insurance knowledge base | 1.9.2026
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.
Choose one of our alternative basic health insurance models and receive an attractive health insurance discount. This makes the most of your potential to save and significantly reduces your costs.
The standard model for basic health insurance includes a free choice of doctor. If you are willing to partially relinquish this freedom, choose one of our alternative basic health insurance models. You will benefit from discounts and save without compromising on your entitlements: the benefits available under basic health insurance are legally stipulated and the same across all health insurers and models.
Our online premium calculator makes it quick and easy to calculate your discount with the following models:
Ideal for those who want to manage their health via an app and consult their GP where necessary. The symptom checker in the app is the first port of call in the event of health problems. Medical advice is available 24/7 and from any location.
The monthly premium is 14 to 20% lower than with the standard model.
Suitable for those who wish to flexibly choose between telemedical consultations, GP visits and advice from a pharmacy.
The monthly premium is 7 to 18% lower than with the standard model.
On experiencing a health problem, people with the GP model always start by contacting their GP. If they need a specialist, their GP will give them a referral.
The monthly premium is 10 to 21% lower than with the standard model.
In the event of medical problems, people with KPTwin.plus consult their network doctor and can remain completely hands-off with regard to referrals and notifications.
The monthly premium is 10 to 20% lower than with the standard model.
With the Medi model KPTwin.easy, the Medi24 telemedical advice centre is the first point of contact. People with this model save time and money thanks the combination of telemedicine and mail-order medicine.
The monthly premium is 10 to 14% lower than with the standard model.
Compare our basic health insurance models and find the perfect one for you: compare basic health insurance models.
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.
If you work at least eight hours a week for the same employer, you can exclude accident insurance from your basic health insurance. This will reduce your health insurance premium by 7%.
If you use our KPTnet customer portal, manage your insurance online, manage your insurance online and go paperless, you will receive a 5% online discount on almost all supplementary insurance plans as well as free Internet legal protection insurance.
Loyalty discount: take out Pulse insurance or supplementary hospital insurance for three years to receive a 6.7% loyalty discount.
As with basic health insurance, you can also pay a higher deductible for semi-private and private supplementary hospital insurance: if you voluntarily pay part of the hospital costs each year, you will receive a premium discount. For example, a hospital deductible of 5,000 francs will reduce your premium by 50%.
Important: if you wish to reduce or cancel your hospital deductible at a later date, this is classed as an increase to your insurance coverage and is therefore subject to a new health check. Please advise us of your wish to make a change by no later than the final working day in September.
If you punctually pay your premium in advance every six months or annually, we will give you a prepayment discount on both basic and supplementary health insurance:
Incidentally, if you wish to change your payment schedule or method – eBill, direct debit or inpayment slip – you can do so easily online. You can also update your payment method in our KPTnet customer portal.
Does your employer or association have a collective agreement with us? If so, you can benefit from a collective discount on various supplementary insurance plans from KPT.
Thomas Stucki is a KPT product manager with considerable knowledge of the health insurance market. Drawing on many years of experience in product development, market analysis and trend monitoring, he shares valuable insights into the world of health insurance products on our blog.
Income protection insurance protects you against a loss of salary if you are unable to work due to an accident or illness. You can choose when to start receiving the daily allowance: after a waiting period of 2, 7, 14, 21, 30, 60, 90, 120, 150, 180, 270 or 360 days. The longer the waiting period, the lower your premium. Further information can be found on the Income protection page. Alternatively, simply call your customer centre.
If you voluntarily choose to stay on a general ward at a hospital with which KPT has a valid contract despite having Semi-Private, Private or Private Worldwide hospital costs insurance without a hospital deductible, you will receive money back:
As a mother, you will receive a lump-sum refund for delivering your baby in an outpatient setting:
Important: contact your customer centre for information prior to a stay in hospital and notify us of your wishes in writing prior to your hospital admission. Payback will be made once the bill has been issued.
There are several ways to save on your basic health insurance premiums. These include:
Choosing an alternative basic health insurance model
Selecting a higher deductible
Excluding accident insurance
Paying your premiums on a six-monthly or annual basis to qualify for a prepayment discount
Applying to the canton for a premium reduction
The statutory annual deductible for compulsory health insurance is 300 francs for adults and 0 francs for children. If you choose a higher deductible, you pay a lower premium.
Basic health insurance can be supplemented in several ways; for example, with dental insurance or flexible hospital insurance. But which plans should you choose? Read on to discover the types of supplementary insurance available and the benefits they provide.
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.
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.
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.
If you have a low income, a cantonal premium reduction may be available to you in Switzerland for basic health insurance. Most cantons will notify you about this automatically although some require you to be proactive.
