CSS or KPT in Region 2 of canton Grisons?

In Region 2, KPT is CHF 21.60 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 447.90 a month, CSS to CHF 449.70. The gap is CHF 21.60 a year, 300-franc deductible, accident cover included.

Neither is the cheapest here: that is Agrisano, at CHF 418.00 a month. Moving there rather than to KPT is worth CHF 358.80 more a year. Agrisano

CSS ranks 8 and KPT ranks 6, 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	CSS	KPT	Gap
300	CHF 529.00	CHF 538.10	− 9.10
500	CHF 517.40	CHF 526.50	− 9.10
1'000	CHF 488.20	CHF 497.30	− 9.10
1'500	CHF 459.00	CHF 468.10	− 9.10
2'000	CHF 429.90	—	—
2'500	CHF 400.70	CHF 409.80	− 9.10

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

Against 2025, CSS moves by + 6.0 % and KPT by + 4.2 % in this region.

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