KPT

KPT (Krankenkasse Personal Transportunternehmen) is a Swiss health insurance group headquartered in Bern. Originally founded in 1890 as a cooperative sickness fund for railway workers, it has grown into a specialized health insurer serving around 500,000 insured persons. In 2024, with approximately 700 employees, the group reported premium income of 2.4 billion Swiss francs. The group operates through a holding structure comprising two main operating companies: KPT Krankenkasse AG, which handles basic insurance under the Swiss Health Insurance Act (KVG), and KPT Versicherungen AG, which offers supplementary insurance and, to a lesser extent, accident insurance. Basic insurance accounts for roughly three-quarters of total premium income, while supplementary and accident insurance form the second pillar. The KPT Holding is wholly owned by the Genossenschaft KPT (KPT Cooperative). KPT provides digital services including the KPTnet customer portal, which received an innovation award from the Swiss insurance industry in 2007, and the KPT App. The company is a member of the Swiss Insurance Association and, since 2025, of the industry association prio.swiss. It was a member of the health insurer association Curafutura from 2013 until the end of 2023.

KPT was founded in 1890 as a cooperative by railway workers, originally operating as a professional sickness fund. Its name, Krankenkasse Personal Transportunternehmen, reflects its origins serving transport personnel. In the 1930s, federal employees were allowed to join, followed later by cantonal and municipal employees. Since 1993, KPT has been open to everyone as a health and accident insurer. In 2007, the company reorganized under a holding structure. KPT has been a member of the Swiss Insurance Association. It was a member of the health insurer association Curafutura from 2013 until the end of 2023, and joined the newly founded industry association prio.swiss in 2025.

• 2025

  KPT joined the newly founded industry association prio.swiss.

• 2023

  KPT's membership in Curafutura ended at the end of 2023.

• 2013

  KPT became a member of the health insurer association Curafutura.

• 2007

  KPT reorganized under a holding structure; KPTnet customer portal received an innovation award from the Swiss insurance industry.

• 1993

  KPT opened to everyone as a health and accident insurer.

• 1930

  Federal employees allowed to join KPT; later cantonal and municipal employees followed.

• 1890

  KPT founded as a cooperative by railway workers, originally as a professional sickness fund.

• Basic insurance (Grundversicherung)

  Mandatory health insurance under the Swiss Health Insurance Act (KVG), accounting for about three-quarters of total premium income.

• Supplementary insurance (Zusatzversicherungen)

  Additional insurance products offered by KPT Versicherungen AG, forming the second pillar alongside accident insurance.

• Accident insurance (Unfallversicherung)

  Accident insurance offered to a smaller extent by the KPT group.

• KPTnet customer portal

  Digital customer portal, awarded an innovation prize by the Swiss insurance industry in 2007.

• KPT App

  Digital service application for customers.

1. 1KPT (Krankenversicherung) – Wikipediade.wikipedia.org
2. 2KPTwikidata.org