CSS or KPT in Region 1 of canton St. Gallen?

In Region 1, KPT is CHF 55.20 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 487.30 a month, CSS to CHF 491.90. The gap is CHF 55.20 a year, 300-franc deductible, accident cover included.

Neither is the cheapest here: that is Sanitas, at CHF 479.65 a month. Moving there rather than to KPT is worth CHF 91.80 more a year. Sanitas

CSS ranks 11 and KPT ranks 9, out of 25 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 572.00	CHF 577.10	− 5.10
500	CHF 560.40	CHF 565.50	− 5.10
1'000	CHF 531.20	CHF 536.30	− 5.10
1'500	CHF 502.00	CHF 507.10	− 5.10
2'000	CHF 472.90	—	—
2'500	CHF 443.70	CHF 448.80	− 5.10

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

Against 2025, CSS moves by + 3.5 % and KPT by + 3.3 % in this region.

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