CSS or KPT in Region 1 of canton Schaffhausen?
In Region 1, KPT is CHF 378.00 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 503.60 a month, CSS to CHF 535.10. The gap is CHF 378.00 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is ÖKK, at CHF 480.30 a month. Moving there rather than to KPT is worth CHF 279.60 more a year. ÖKK
Where they stand in the region
CSS ranks 18 and KPT ranks 8, out of 23 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 615.00 | CHF 597.40 | + 17.60 |
| 500 | CHF 603.40 | CHF 585.80 | + 17.60 |
| 1'000 | CHF 574.20 | CHF 556.60 | + 17.60 |
| 1'500 | CHF 545.00 | CHF 527.40 | + 17.60 |
| 2'000 | CHF 515.90 | — | — |
| 2'500 | CHF 486.70 | CHF 469.10 | + 17.60 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | CSS | KPT |
|---|---|---|
| Family doctor | CHF 535.10 | CHF 527.00 |
| Other model | CHF 550.40 | CHF 503.60 |
| Free choice of doctor | CHF 615.00 | CHF 597.40 |
| HMO practice | — | CHF 527.00 |
How they moved in this region
Against 2025, CSS moves by + 8.1 % and KPT by + 1.9 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.