KPTwin.smart

  • Telemedicine model

  • Primary care: Application

  • No free choice of specialists

  • Online drug delivery only

General

General information:

Health insurance model «KPTwin.smart» of the insurance company KPT/CPT.

Health insurance model:
Telmed model: If you choose a telmed policy, you will have to contact the telemedicine hotline before every doctor visit. Telephone consultation is not required in the event of medical emergencies, gynecological examinations and treatment by eye doctors.
Choice of doctor:
Your choice of doctors is limited by KPTwin.smart requirements.
Medical partner:
Not specified.
Telmed consultation:
Recommendations made during telephonic consultations are binding.
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)

Special offers for Moneyland users

Moneyland Special Offers

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Amex Gold

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Gold subscription

Philoro Schweiz AG

  • Secure CHF 20 starting credit with the ML24 voucher

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Swiss digital bank

Alpian

  • CHF 100 welcome bonus

  • Favorable foreign exchange rates

  • Multi-currency account with Visa card (CHF, EUR, USD, GBP) 

Special offers for Moneyland users

Moneyland Special Offers

Credit card promotion

Amex Gold

  • Extra bonus until 11.11.: 40,000 instead of 15,000 Membership Rewards points

  • ½ annual fee in the first year

  • Up to CHF 100 credit per year for consumption in a restaurant or with a delivery service of your choice

Credit card promotion

SWISS Miles & More Gold

  • Starting bonus: 50,000 miles with promo code “MM24GC50”

  • Only half the fee in the 1st year

  • Gold card duo Visa & Amex

Credit card promotion

Amex Platinum

  • Extra bonus until November 10: 75,000 instead of 45,000 Membership Rewards points

  • ½ annual fee in the first year

  • Comprehensive benefits

Funds

Allianz Fund Investments

  • Special offer with CHF 200 welcome bonus

  • No prior knowledge necessary: Advice from experts

  • One of the 10 largest asset managers worldwide

Swiss Trading Platform

Cornèrtrader Special Offer

  • Special offer: particularly favorable conditions for Moneyland users

  • No custody account fees for shares

  • Swiss online bank with FINMA license

Swiss Broker

Saxo Bank Special Offer

  • Special offer: Reimbursement of brokerage fees up to CHF 200 for 90 days

  • Licensed Swiss bank (FINMA)

  • Free expert research and trading signals

Gold subscription

Philoro Schweiz AG

  • Secure CHF 20 starting credit with the ML24 voucher

  • Invest in gold monthly from CHF 25

  • Withdrawable at any time or available as gold

Swiss digital bank

Alpian

  • CHF 100 welcome bonus

  • Favorable foreign exchange rates

  • Multi-currency account with Visa card (CHF, EUR, USD, GBP) 

Deal of the Day
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Credit card promotion

Amex Gold

Extra bonus until 11.11.: 40,000 instead of 15,000 Membership Rewards points