CONCORDIA or KPT in Region 1 of canton Grisons?

In Region 1, KPT is CHF 10.80 a year cheaper than CONCORDIA 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 460.80 a month, CONCORDIA to CHF 461.70. The gap is CHF 10.80 a year, 300-franc deductible, accident cover included.

Neither is the cheapest here: that is Sanitas, at CHF 453.60 a month. Moving there rather than to KPT is worth CHF 86.40 more a year. Sanitas

CONCORDIA ranks 3 and KPT ranks 2, out of 24 active insurers in this region.

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	CONCORDIA	KPT	Gap
300	CHF 540.00	CHF 543.90	− 3.90
500	CHF 528.40	CHF 532.30	− 3.90
1'000	CHF 499.20	CHF 503.10	− 3.90
1'500	CHF 470.00	CHF 473.90	− 3.90
2'000	CHF 440.90	—	—
2'500	CHF 411.70	CHF 415.60	− 3.90

Each insurer’s lowest rate in each model type, 300-franc deductible.

Against 2025, CONCORDIA moves by + 7.2 % and KPT by + 2.4 % in this region.

Source: Federal Office of Public Health (FOPH), official premiums.