KPT

Today’s KPTAG insurance group, based in Berne, goes back to the railroad workers’ occupational health insurance fund founded in 1890 as a cooperative. This is where the abbreviation comes from: Krankenversicherung Personentransportunternehmen. In the 1930s, the health insurance funds were initially open to federal civil servants, and later to state and municipal civil servants. Since 1992, KPT has been open to all those interested in health and accident insurance. Since the restructuring in 2007, the company has been structured as a holding company and is managed as a public limited company. The integrated group of companies with over 600 employees serves 410,000 insured persons and generated sales of around CHF 1.8 billion in 2019.

Address
P.O. Box
3001 Berne
Insured persons

in the basic insurance
387759

Refund period

Ø5 days

Solvency ratio

79%

Administrative costs

per customer
165 CHF

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KPT basic insurance

If you are interested in basic insurance, you can choose from various KPT models. The standard model has the advantage of free choice of doctor, the alternative model restricts this, but can also be less contribution-oriented.
If you agree with the limits listed, it is worthwhile. For example, the KPT family doctor model saves 15 %, the HMO model around 17 % and the combination model a total of 8 %. percent and even 20 % of your premium in the Telmed model. You can also increase your deductions and reduce your premiums. KPT offers a 77% discount on basic premiums for children up to the age of 18. For children aged 19 to 25, the discount is 10 to 20 %. This always depends on the canton.

Voluntary supplementary insurance

Overview of KPT supplementary insurance KPT supplementary insurance closes the gap in basic insurance. Insurance companies meet a variety of requirements, including:
Comfort
With this supplementary insurance, you extend the benefits for alternative medicine treatments, glasses and medical aids, prevention and non-prescription drugs.
ActivePlus
This tariff pays up to 600 Swiss francs a year if you want to take part in health-promoting programs.
Natura
If you are interested in alternative medicine, you should choose this supplementary insurance. Depending on the benefit class, you will then be reimbursed up to 90 percent of the costs until the limit of 3,500 Swiss francs per year is reached.
Dental insurance
Here, too, you can choose between several benefit classes and claim up to 75 percent of the treatment costs up to the upper limit of 1,500 Swiss francs per year. In benefit class 6, you also receive a subsidy of 75 percent up to 10,000 Swiss francs for dental corrections.
Supplementary hospital insurance
General, semi-private or private – you also have the choice with KPT supplementary hospital insurance. You decide how you want to be accommodated and by whom you want to be treated during an inpatient stay. The Private World variant not only gives you comfortable accommodation in a single-bed room, but also treatment by the head physician – anywhere in the world.

In comparison

KPT alone offers several supplementary insurance options. This should first be analyzed and then compared with other health insurance tariffs. You can do this quickly and reliably with our health insurance calculator. Take advantage of this opportunity for yourself. We will be happy to support you.

Health insurance comparison
2025

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