CSS or KPT in Region 3 of canton St. Gallen?
In Region 3, KPT is CHF 174.00 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 431.80 a month, CSS to CHF 446.30. The gap is CHF 174.00 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 401.60 a month. Moving there rather than to KPT is worth CHF 362.40 more a year. Agrisano
Where they stand in the region
CSS ranks 11 and KPT ranks 3, out of 25 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 516.00 | CHF 507.70 | + 8.30 |
| 500 | CHF 504.40 | CHF 496.10 | + 8.30 |
| 1'000 | CHF 475.20 | CHF 466.90 | + 8.30 |
| 1'500 | CHF 446.00 | CHF 437.70 | + 8.30 |
| 2'000 | CHF 416.90 | — | — |
| 2'500 | CHF 387.70 | CHF 379.40 | + 8.30 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | CSS | KPT |
|---|---|---|
| Family doctor | CHF 446.30 | CHF 450.80 |
| Other model | CHF 461.80 | CHF 431.80 |
| Free choice of doctor | CHF 516.00 | CHF 507.70 |
| HMO practice | — | CHF 435.60 |
How they moved in this region
Against 2025, CSS moves by + 4.6 % and KPT by + 3.2 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.