Assura-Basis or KPT in Region 3 of canton Grisons?
In Region 3, Assura-Basis is CHF 108.00 a year cheaper than KPT for an adult on the same profile. Here is the detail — and what a third insurer would do.
The verdict, in this region
Assura-Basis comes down to CHF 451.00 a month, KPT to CHF 460.00. The gap is CHF 108.00 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is vita surselva, at CHF 404.70 a month. Moving there rather than to Assura-Basis is worth CHF 555.60 more a year. vita surselva
Where they stand in the region
Assura-Basis ranks 14 and KPT ranks 17, out of 24 active insurers in this region.
Deductible by deductible
With free choice of doctor, the one model every insurer offers — and therefore the only one where a row-by-row comparison compares the same thing.
| Deductible | Assura-Basis | KPT | Gap |
|---|---|---|---|
| 300 | CHF 495.60 | CHF 542.90 | − 47.30 |
| 500 | CHF 484.00 | CHF 531.30 | − 47.30 |
| 1'000 | CHF 454.80 | CHF 502.10 | − 47.30 |
| 1'500 | CHF 425.60 | CHF 472.90 | − 47.30 |
| 2'000 | CHF 396.50 | — | — |
| 2'500 | CHF 367.30 | CHF 414.60 | − 47.30 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Assura-Basis | KPT |
|---|---|---|
| Family doctor | CHF 451.00 | CHF 460.00 |
| Free choice of doctor | CHF 495.60 | CHF 542.90 |
| Other model | — | CHF 460.00 |
| HMO practice | — | CHF 480.70 |
How they moved in this region
Against 2025, Assura-Basis moves by + 5.0 % and KPT by + 6.1 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.