CONCORDIA or KPT in Region 2 of canton Schaffhausen?

In Region 2, KPT is CHF 7.20 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 469.00 a month, CONCORDIA to CHF 469.60. The gap is CHF 7.20 a year, 300-franc deductible, accident cover included.

Neither is the cheapest here: that is Agrisano, at CHF 433.80 a month. Moving there rather than to KPT is worth CHF 422.40 more a year. Agrisano

CONCORDIA ranks 7 and KPT ranks 6, out of 23 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 539.70	CHF 554.20	− 14.50
500	CHF 528.10	CHF 542.60	− 14.50
1'000	CHF 498.90	CHF 513.40	− 14.50
1'500	CHF 469.70	CHF 484.20	− 14.50
2'000	CHF 440.60	—	—
2'500	CHF 411.40	CHF 425.90	− 14.50

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

Against 2025, CONCORDIA moves by + 5.2 % and KPT by + 1.9 % in this region.

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