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KPT Grundversicherung

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KPT Grundversicherung

Standard model
Free choice of doctor

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General

General information:

Health insurance model «Grundversicherung» of the Swiss insurance company KPT.

Health insurance model:

Standard model: You can make use of any doctor, specialist or other healthcare service provider you choose. Premiums are higher than those of more limited models.

Choice of doctor:

Policyholders have free choice of doctors.

Medical partner:

Not specified.

Pharmacy choice:

You get free choice of pharmacy

Payment methods:

20% of payments are made using the tiers garant payment method, in which you pay and claim reimbursement.
80% of payments are tiers payant, meaning the bills are paid directly by the insurance (KPT).

Reimbursement:

The average waiting period before tiers garant reimbursement from KPT is 5 days.

Financial reserves:

The solvency ratio shows how available financial reserves compare to Federal Office of Public Health (FOPH) minimum reserve requirements. The solvency ratio of KPT is 103% (according to FOPH data). The minimum ratio required by the FOPH is 100%.

Number of policyholders:

A total of 556,753 people hold compulsory health insurance policies from KPT.

Additional child-discount:

KPT does not offer additional premium reductions for more than one child.

Administrative costs:

4.7% (ratio of adminstrative costs to risk-adjusted premiums as per BAG data).

Administrative costs per policyholder:

CHF 177 (as per the most recent BAG data).

Customer satisfaction

General satisfaction 8.1/10 (Very good)

Helpfulness 8.3/10 (Very good)

Billing: flexibility 7.8/10 (Good)

Reimbursement: time frame 8.2/10 (Very good)

Product information 7.9/10 (Good)

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