CSS or KPT in Region 1 of canton Basel-Landschaft?

In Region 1, CSS is CHF 122.40 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

CSS comes down to CHF 559.10 a month, KPT to CHF 569.30. The gap is CHF 122.40 a year, 300-franc deductible, accident cover included.

Neither is the cheapest here: that is Sanitas, at CHF 558.30 a month. Moving there rather than to CSS is worth CHF 9.60 more a year. Sanitas

CSS ranks 3 and KPT ranks 5, 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	CSS	KPT	Gap
300	CHF 664.00	CHF 679.60	− 15.60
500	CHF 652.40	CHF 668.00	− 15.60
1'000	CHF 623.20	CHF 638.80	− 15.60
1'500	CHF 594.00	CHF 609.60	− 15.60
2'000	CHF 564.90	—	—
2'500	CHF 535.70	CHF 551.30	− 15.60

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

Against 2025, CSS moves by + 2.2 % and KPT by + 0.4 % in this region.

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