CSS or KPT in Region 2 of canton Valais?

In Region 2, KPT is CHF 40.80 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 443.80 a month, CSS to CHF 447.20. The gap is CHF 40.80 a year, 300-franc deductible, accident cover included.

Neither is the cheapest here: that is Agrisano, at CHF 406.30 a month. Moving there rather than to KPT is worth CHF 450.00 more a year. Agrisano

CSS ranks 11 and KPT ranks 9, out of 28 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 520.00	CHF 522.70	− 2.70
500	CHF 508.40	CHF 511.10	− 2.70
1'000	CHF 479.20	CHF 481.90	− 2.70
1'500	CHF 450.00	CHF 452.70	− 2.70
2'000	CHF 420.90	—	—
2'500	CHF 391.70	CHF 394.40	− 2.70

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

Against 2025, CSS moves by + 3.4 % and KPT by + 4.2 % in this region.

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