75% Digital Adoption RateStrong AppBern HQ

KPT Optima

by KPT

★★★★☆4.2(3,870 reviews)

KPT is a Swiss cooperative insurer based in Bern with the highest digital adoption rate among Swiss health insurers — 75% of customers manage their insurance entirely online. Its Optima supplemental plan builds on mandatory Lamal cover with dental, vision, and wellness add-ons.

Monthly Premium

CHF 300 - CHF 470

Deductible

CHF 300 - CHF 2,500

Coverage Type

standard

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Coverage Details

✓Hospitalization

✓Outpatient Care

✓Dental

✓Vision

✓Mental Health

✓Maternity

✓Prescription Drugs

✓Emergency Care

✗International Coverage

✓Telehealth

Pros

✓Best-in-class digital adoption rate
✓Competitive in Bernese market
✓Clear online claims process

Cons

✗Smaller network than Helsana
✗Less known outside central Switzerland

Editorial Review

“KPT's 75% digital adoption rate is the most compelling proof point that Swiss health insurance customers are ready for a mobile-first relationship with their insurer — and KPT has built its entire service model around that reality ahead of its larger competitors.”

— Moneyland.ch Swiss Health Insurance Apps 2025; ExpatSavvy KPT Profile