KPT / CPT Health Insurance

KPT / CPT - Premium development

Canton
Age group

Premium calculation is based on a deductible rate of CHF 300 (deductible rate of CHF 0 in case of children) with inclusion of accidents. When selecting a canton, premium region 1 will be displayed. Not all insurances are on offer in every canton. Where a specific insurance is not available, the premium development view will remain empty.

More about KPT / CPT


Experiences and questions regarding KPT / CPT in our forum

23/11/2011 from CR

Still waiting for insurance KPT!!!!!

I have been trying to get health insurance for the last 2 months. After many emails, phone calls, posting and re-posting documents I still run the risk of losing my job because no-one at KPT seems to know what is going on. I am posting because I'm interested to see how much longer they can stretch More

Rating

2
0

3 comments | read 1,198 time(s)



Customer satisfaction with KPT / CPT

good(5.2)
good(5.3)
Competence and helpfulness of employees
good(5.2)
Statements (clarity, prompt payment, goodwill etc.)
good(5.2)
Clarity and comprehensibility of customer information
In 2017, comparis.ch conducted a representative survey on customer satisfaction with the Swiss health insurance companies in collaboration with the market research institution, GfK. A total of more than 2400 persons from all linguistic regions of Switzerland were surveyed. They rated the competence and commitment of the insurance employees, their satisfaction with the invoicing process, and the comprehensibility of customer information.
  • Mark 6.0 – 5.5: excellent
  • Mark 5.4 – 5.0: good
  • Mark 4.9 – 4.5: satisfactory
  • Mark 4.4 – 4.0: adequate
  • Mark 3.9 – 1.0: inadequate
All answers from one respondent about a provider are taken to calculate the total rating from the same respondent. A provider's final rating corresponds to the rounded mean value of all these total ratings. The final ratings as given by comparis.ch are based on the Swiss school grading system.

KPT / CPT - efficiency of administration

Administrative costs
4.4% of premiums

Collection of data 11/2017

When is a health insurance company efficient?
Health insurance companies are considered efficient
if their administrative costs are less than 4.2% of premiums.

KPT / CPT – company details

Reserves of the health insurer KPT / CPT
2014
2015
Number of policyholders
More information
Number of policyholders
Average number of policyholders in the previous year (basic insurance only).
397,890 387,762
Reserves in millions of CHF
More information
Reserves in millions of CHF
Including reserves for optional daily benefits insurance.
199.2 184.3
Minimum reserves in millions of CHF
More information
Minimum reserves in millions of CHF
Since 2012, the minimum amount of reserves has been determined based on a model that takes the insurance companies' individual risks into account (Health Insurance Act (KVG) solvency test, cf. Art. 78ff Health Insurance Ordinance (KVV)). Insurance companies whose reserves are below the minimum amount (solvency ratio < 100%) are subject to the old reserve requirements until 2016.
197.6 183.9
Solvency ratio
More information
Solvency ratio
The solvency ratio indicates the ratio between the existing reserves and the minimum amount.
101.0%
100.0%
comparis.ch displays the supervision data published by the FOPH. comparis.ch does not guarantee the accuracy of the data. Last updated: 28.09.2017

Benefits covered under basic insurance

The law stipulates which benefits the mandatory basic insurance covers. Therefore, the benefits are the same with all insurance providers.

Switching to KPT / CPT for basic insurance.

There is full freedom to choose one's provider of mandatory basic insurance. Therefore, health insurers must accept all applicants irrespective of age, gender or state of health. However, special attention should still be given to the notice periods.

Products from KPT / CPT

The mandatory basic insurance is offered by KPT / CPT in all of Switzerland. KPT / CPT also offers alternative insurance models. You can find out most easily if these are offered in your place of residence by making a premium comparison.


How to contact KPT / CPT

KPT Krankenkasse AG
Wankdorfallee 3
Postfach
3001 Bern
Tel. 058 310 91 11
Fax 058 310 86 35
kpt@kpt.ch


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