Assura-Basis or KPT in Region 3 of canton St. Gallen?
In Region 3, KPT is CHF 39.60 a year cheaper than Assura-Basis for an adult on the same profile. Here is the detail — and what a third insurer would do.
The verdict, in this region
KPT comes down to CHF 431.80 a month, Assura-Basis to CHF 435.10. The gap is CHF 39.60 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 401.60 a month. Moving there rather than to KPT is worth CHF 362.40 more a year. Agrisano
Where they stand in the region
Assura-Basis ranks 5 and KPT ranks 3, out of 25 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 524.20 | CHF 507.70 | + 16.50 |
| 500 | CHF 512.60 | CHF 496.10 | + 16.50 |
| 1'000 | CHF 483.40 | CHF 466.90 | + 16.50 |
| 1'500 | CHF 454.20 | CHF 437.70 | + 16.50 |
| 2'000 | CHF 425.10 | — | — |
| 2'500 | CHF 395.90 | CHF 379.40 | + 16.50 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Assura-Basis | KPT |
|---|---|---|
| Family doctor | CHF 435.10 | CHF 450.80 |
| Free choice of doctor | CHF 524.20 | CHF 507.70 |
| Other model | — | CHF 431.80 |
| HMO practice | — | CHF 435.60 |
How they moved in this region
Against 2025, Assura-Basis moves by + 2.4 % and KPT by + 3.2 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.