Understand KPT — and Whether It's Right for You
About KPT
KPT health insurance Switzerland is mid-size national insurer, serving ~0.45 million. Known for good telemedicine services (kptnet), KPT combines decades of experience with digital tools to simplify insurance management.
This guide explains KPT's strengths, limitations, and how it compares to other major Swiss insurers — especially for expats seeking English-language support and independent advice from FINMA-certified brokers.
Understanding KPT's foundation is the first step — but how do you know if it's right for you?
KPT at a Glance
Detailed factual overview of KPT health insurance.
| Attribute | Details |
|---|---|
| Insurer Name | KPT |
| Founded | 1890 |
| Headquarters | Bern |
| Market Position | Mid-size national insurer |
| Clients | ~0.45 million |
| Languages / English Service | DE, FR, IT, EN (guides and materials) Very good - comprehensive guides and materials in English |
| Strengths | Good telemedicine services (KPTnet), Comprehensive English guides and materials, Modern digital tools and app |
| Limitations | Smaller network compared to major insurers, Fewer physical branches |
| Unique Supplementary Plans | Various supplementary packages with telemedicine focus |
| Known For / Keywords | Telemedicine services (KPTnet), Digital-first approach, English documentation |
| Customer Focus | Digital-first expats, tech-savvy customers, those comfortable with telemedicine |
| Premium Example (Zurich, Region 2) | ~CHF 340-355 (competitive with telemedicine models) |
| Premium Stability Trend | Competitive, especially with telemedicine models, +4.5% avg |
| Claim Support Quality | ⭐ 4.2 / 5 (good digital claims process) |
*Based on official BAG data and public KPT reports, verified October 2025.
Key Products
Let's look at the three most common reasons expats evaluate KPT — and what really matters in each case.
Why People Consider KPT
Three common situations where KPT comes up — and how we help you decide.
New in Switzerland
Need to register within 90 days? KPT can be one of several good options — we help you compare all.
Learn MoreAlready Insured, Considering a Change
We check if switching or optimizing makes sense — often you can save without losing benefits.
Learn MoreWant to Optimize Your Coverage
We review your plan and suggest upgrades or savings across 50+ insurers.
Book ConsultationData matters — but experience matters more. Here's what our independent advisors see after years of comparing KPT to other providers.
Independent Expert Perspective
We regularly benchmark KPT, CSS, Swica, and others for expats. Each insurer has unique acceptance policies and claim behaviors — the right choice depends on your needs.
KPT excels in good telemedicine services (kptnet), but may not always be the most cost-effective option. We compare basic insurance (LAMal/KVG) and supplementary insurance premiums, service quality, and long-term value across all providers.
"The best insurer is the one that matches your health usage, budget, and risk profile — not necessarily the biggest name."
"KPT is worth a look if you value telemedicine and streamlined app-based workflows. Their English materials and digital services make them a good fit for internationally-minded professionals."
Robert Kolar
FINMA-certified Insurance Broker
KPT vs Other Swiss Insurers
KPT is mid-size national insurer — digital-first expats, tech-savvy customers, those comfortable with telemedicine.
However, it's not always the most affordable, especially compared to regional competitors. We compare all major Swiss insurers independently.
Compare coverage & premiums
Compare coverage & premiums
Compare coverage & premiums
*Our independent comparison is based on verified BAG data, public insurer reports, and real client feedback.
Our review process is straightforward and transparent — so you always understand what we recommend and why.
How Our Review Works
Whether you're considering KPT or comparing all options, here's our process.
Review your plan
We read your basic & supplementary cover
Explain options
Clear English, what stays / what changes
Identify savings & risks
Model, deductible, overlaps
Confirm & handle switch
We do forms + cancellation
Independent, FINMA-certified guidance. Free and unbiased.
Health Insurance Isn't Just About Numbers
It's about peace of mind — knowing you're covered for all eventualities, with an expert who continues to take care of you year after year.
Whether you choose KPT or another provider, we ensure your decision is informed, strategic, and aligned with your wellbeing in Switzerland.
Here's what people say about getting independent insurance advice with us:
What Our Clients Say
★★★★★ Rated 4.9 / 5 by expats across Switzerland
Real experiences from people who got independent insurance advice.
"Robert was an excellent assistant. He introduced me to the complex health system in Switzerland and made sure I took the best decision, providing information and answering all my questions."
German Barquero
Google Review
"I had great experience with expat-savvy, receiving very helpful, professional advice tailored to my personal situation. Robert has demonstrated his in-depth knowledge of the field."
Rebeka Johnson
Google Review
"Robert's advice was very helpful in choosing the right health insurance package and getting over the hurdles of pre-existing conditions. He found me a much better deal."
Martin Walsh
Google Review
Still have questions? Here are the most common ones we hear about KPT:
Common Questions About KPT
Everything you need to know about KPT health insurance.
Is KPT good for expats?
Yes, KPT is particularly well-suited for expats thanks to their comprehensive English guides, digital-first approach, and telemedicine services. Their materials are among the clearest for non-German speakers.
What is KPTnet?
KPTnet is KPT's telemedicine service that allows you to consult with doctors remotely before seeking in-person care. This model can reduce premiums while maintaining quality care access.
Can I switch to KPT from another insurer?
Yes, basic insurance can be switched annually with notice by 30 November. Supplementary plans require a health questionnaire. We help ensure a smooth transition and maximize acceptance chances.
Does KPT offer good digital services?
Yes, KPT is known for its modern digital tools and app. They focus on digital-first service delivery, making them ideal for tech-savvy customers who prefer app-based interactions.
How do KPT's premiums compare?
KPT offers competitive premiums, especially with their telemedicine models like KPTnet. We compare all options to find the best value for your specific needs and canton.
More questions about KPT or Swiss health insurance in general?
Not Sure If KPT Is Right for You?
Get a personalized, independent consultation — 100% free and in English.