KPT – Digital Innovation, Rates & 2026 Premiums

KPT in Profile: Switzerland's Digital Pioneer

The KPT (often referred to as CPT, headquartered in Bern) is one of the most established and innovative health insurers in Switzerland. Originally founded as a cooperative for federal employees, KPT has evolved into a modern, nation-wide health insurance provider. It is widely recognized as a digital pioneer in the Swiss healthcare sector, combining top-tier online services with tailored insurance solutions and high financial stability.

Policyholders benefit from paperless and highly efficient administration via the award-winning KPT customer portal and mobile app. These streamlined processes keep administrative costs low, directly translating into attractive premiums for members.

KPT Basic Insurance (KVG) – Flexible and Smart Savings Models

Within the mandatory basic insurance, KPT offers a wide array of alternative insurance models (AVM) that guarantee excellent medical care while unlocking substantial premium discounts:

• Standard Model (Free Choice of Doctor): Full flexibility. In the event of illness, you decide for yourself at any time which recognized doctor or specialist to consult.
• KPTwin.doc (Family Doctor Model): Your chosen family doctor is always the first point of contact for all medical concerns. They coordinate your treatment and refer you to specialists when necessary, avoiding redundant medical checks and lowering premiums.
• KPTwin.easy (Telmed Model): Before any planned doctor visit, a competent telemedical or digital assessment takes place. Many concerns can be resolved directly, saving time and securing great discounts.
• KPTwin.smart (HMO / Digital Combined Model): An innovative combination of initial telemedical screening and targeted routing to a defined HMO health center or partner network. Perfect for modern, cost-conscious individuals.

Supplementary Insurance (VVG) – Comprehensive, Tailor-Made Protection

To complement the statutory basic coverage, KPT offers a modular and highly effective range of supplementary insurance plans to upgrade your personal comfort:

• Outpatient Supplementary Insurance (Comfort / Premium): Generous contributions toward alternative medicine (complementary treatments), health prevention, fitness memberships, visual aids (glasses/lenses), and emergency transport.
• Hospital Insurance (General, Semi-Private, Private): Grants you free choice of hospital across Switzerland. Depending on the comfort tier, benefit from top-tier treatment by the chief physician and accommodation in a quiet single or double room.
• Dental Insurance: Protects you from unexpectedly high costs for dental check-ups, prophylaxis (teeth cleaning), cavity treatments, and orthodontic corrections (e.g., braces for children).