CSS or KPT in Region 2 of canton Schaffhausen?
In Region 2, KPT is CHF 546.00 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 469.00 a month, CSS to CHF 514.50. The gap is CHF 546.00 a year, 300-franc deductible, accident cover included.
What the question hides
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
Where they stand in the region
CSS ranks 19 and KPT ranks 6, 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 588.00 | CHF 554.20 | + 33.80 |
| 500 | CHF 576.40 | CHF 542.60 | + 33.80 |
| 1'000 | CHF 547.20 | CHF 513.40 | + 33.80 |
| 1'500 | CHF 518.00 | CHF 484.20 | + 33.80 |
| 2'000 | CHF 488.90 | — | — |
| 2'500 | CHF 459.70 | CHF 425.90 | + 33.80 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | CSS | KPT |
|---|---|---|
| Family doctor | CHF 514.50 | CHF 490.30 |
| Other model | CHF 523.30 | CHF 469.00 |
| Free choice of doctor | CHF 588.00 | CHF 554.20 |
| HMO practice | — | CHF 490.30 |
How they moved in this region
Against 2025, CSS moves by + 9.2 % and KPT by + 1.9 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.