KPT

Today's insurance group KPTAG, headquartered in Berne, goes back to the railroad workers' occupational health insurance fund, which was founded as a cooperative in 1890. 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 its restructuring in 2007, the company has been structured as a holding company and is managed as a joint stock company. The integrated group of companies, with over 600 employees, serves 410,000 policyholders and generated sales of around CHF 1.8 billion in 2019.

Information

Administrative expenses

165 CHF per customer

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What is important to you?

• Favorable premiums
• Free choice of doctor
• Alternative Medicine
• Supplementary insurance
• Sports & Fitness
• Semi-private or private
• Discounts for families
• Other

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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 premium-oriented.
If you agree with the listed limits, it is worth it. For example, the KPT GP model saves 15 %, the HMO model about 17 % and the combination model a total of 8 %. percent, and as much as 20 % off your premium in the Telmed model. You can also increase your deductions and lower your premiums. KPT gives a 77 % discount on basic premiums for children up to age 18. For children aged 19 to 25, the discount is 10 to 20 %. It always depends on the canton.

Voluntary supplementary insurance

Overview KPT supplementary insurance The Supplementary insurance the KPT Closes the gap the Basic Insurance. Insurance companies meet a variety of requirements, including:

• Comfort
  With this supplemental insurance, you extend benefits for alternative medicine treatments, eyeglasses and assistive devices, preventive care and non-prescription drugs.
• ActivePlus
  This tariff adds up to 600 Swiss francs per year if you want to participate in health-promoting programs.
• Natura
  If you are interested in alternative medicine, you should choose this supplementary insurance. You will then be reimbursed up to 90 percent of the costs, depending on the benefit class, until the limit of 3,500 Swiss francs per year is reached.
• Dental insurance
  Here, too, you can choose between several benefit levels 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 corrections to the position of teeth.
• Supplementary hospital insurance
  General, semi-private or private - you also have the choice with KPT supplementary hospital insurance. You decide how you would like to be accommodated during an inpatient stay and by whom you would like to be treated. The Private World variant not only provides you with comfortable accommodation in a single-bed room, but also treatment by the head physician - worldwide.

In comparison

KPT alone offers several options for supplementary insurance. This should first be analyzed and then compared with other health insurance tariffs. With our health insurance calculator you can do this task quickly and reliably. Use this possibility for yourself. We are happy to support you.