KPT vs Helsana
Direct comparison for professionals and English speakers in Switzerland — models, premiums, supplementary coverage, and user experience.
In short
Both are established Swiss insurers; it’s value-oriented simplicity versus breadth of network and hospital options.
- →Choose KPT if you want competitive offers in some cantons and savings with GP/HMO/Telmed models through a straightforward digital portal.
- →Choose Helsana if you value a broad national network, strong international hospital products, and a mature app.
Last updated: 13.08.2025
Key Facts — KPT vs Helsana (2025)
- • Both offer Standard, GP, HMO, and Telmed basic models; premiums vary by canton, age, model, and deductible
- • Basic insurance: guaranteed acceptance; Supplementary insurance: underwriting applies
- • Combine high deductible + restricted model for bigger savings if expected usage is low
- • Switching: cancel by 30 Nov for 1 Jan; model/deductible changes by 31 Dec
At a Glance
| Feature | KPT | Helsana |
|---|---|---|
| Basic Insurance Models Offered | Standard, Telmed, HMO, GP | Standard, Telmed (Telmed), HMO (BeneFit PLUS), GP (BeneFit PLUS Hausarzt) |
| Typical Basic Premium Range | Competitive to moderate (varies by canton, age, deductible) | Moderate to high (varies by canton, age, deductible) |
| Alternative Medicine (Suppl.) | Pulse/Complementa options for complementary medicine | Completa/Top — good coverage for alternative medicine |
| Check-ups & Prevention (Suppl.) | Prevention benefits depend on product | Solid prevention contributions across plans |
| International Private Hospital (Suppl.) | Private/semi-private options (check terms) | Hospital Global/Extra — comprehensive |
| Dental (Suppl.) | Dental supplementary options | Dental/Denta Plus |
| Expat-Friendliness: English Support | English availability varies — verify per channel | Good — English site and service |
| Digital Services | Meine KPT portal + apps | Helsana+ app + portal |
| Customer Satisfaction (surveys) | Generally good | Generally good to strong |
Pros and Cons
KPT
Pros
- Cooperative insurer with digital portal (Meine KPT)
- Competitive offers for some profiles and cantons
- Range of basic models (GP/HMO/Telmed)
Cons
- English depth varies; verify service level
- Supplementary terms differ; compare details carefully
Helsana
Pros
- Broad network; comprehensive supplementary range
- Strong international hospital options
- Good digital tools (Helsana+ app)
Cons
- Plan structure can feel complex
- Premiums can be mid-to-high depending on region/model
Who should choose which?
- Choose KPT if you want a cooperative insurer, value a simple digital portal, and find competitive offers in your canton for GP/HMO/Telmed models.
- Choose Helsana if you want a broad network, robust international hospital coverage, and a mature app with English resources.
Frequently Asked Questions
Which is better for personalized care: KPT or Helsana?
KPT emphasizes personalized care with strong customer loyalty and individual focus. Helsana offers broader network coverage with comprehensive supplementary options. KPT excels in tailored service approach, while Helsana provides extensive provider access and standardized quality.
Is KPT or Helsana cheaper for health insurance in Switzerland?
KPT often offers competitive premiums in some cantons, while Helsana premiums are moderate to high. Premium differences vary by canton, age, model, and deductible. Compare specific quotes for your profile rather than assuming one is consistently cheaper.
Can I switch from KPT to Helsana for 2026?
Yes, cancel your KPT policy by 30 November 2025 to switch to Helsana from 1 January 2026. Basic insurance switching is guaranteed. Apply for supplementary insurance early due to medical underwriting requirements.
Which offers better English support: KPT or Helsana?
Helsana provides established English website and customer service support. KPT English availability varies by channel - verify support level for your preferred communication methods or consider using an insurance advisor for assistance.
Do KPT and Helsana offer the same insurance models?
Yes, both offer Standard, HMO, Family Doctor, and Telmed models for basic insurance. Model savings (15-30% for HMO/Telmed) are similar. Choose based on supplementary insurance preferences, provider network priorities, and service style preferences.
Which is better for families: KPT or Helsana?
Both offer family discounts and maternity benefits. Helsana provides broader pediatric networks and comprehensive family supplementary options. KPT offers personalized family care approach with individual attention. Compare specific family benefits and pediatric provider access for your area.
Need help deciding?
Get tailored quotes and unbiased comparisons in English.
