CSS or KPT in Region 1 of canton Grisons?
In Region 1, KPT is CHF 157.20 a year cheaper than CSS 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, CSS to CHF 473.90. The gap is CHF 157.20 a year, 300-franc deductible, accident cover included.
What the question hides
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
Where they stand in the region
CSS ranks 5 and KPT ranks 2, 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 | CSS | KPT | Gap |
|---|---|---|---|
| 300 | CHF 551.00 | CHF 543.90 | + 7.10 |
| 500 | CHF 539.40 | CHF 532.30 | + 7.10 |
| 1'000 | CHF 510.20 | CHF 503.10 | + 7.10 |
| 1'500 | CHF 481.00 | CHF 473.90 | + 7.10 |
| 2'000 | CHF 451.90 | — | — |
| 2'500 | CHF 422.70 | CHF 415.60 | + 7.10 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | CSS | KPT |
|---|---|---|
| Family doctor | CHF 473.90 | CHF 481.60 |
| Other model | CHF 501.40 | CHF 460.80 |
| Free choice of doctor | CHF 551.00 | CHF 543.90 |
| HMO practice | — | CHF 473.20 |
How they moved in this region
Against 2025, CSS moves by + 6.9 % and KPT by + 2.4 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.