Helsana or KPT in Region 3 of canton Grisons?
In Region 3, Helsana is CHF 218.40 a year cheaper than KPT for an adult on the same profile. Here is the detail — and what a third insurer would do.
The verdict, in this region
Helsana comes down to CHF 441.80 a month, KPT to CHF 460.00. The gap is CHF 218.40 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is vita surselva, at CHF 404.70 a month. Moving there rather than to Helsana is worth CHF 445.20 more a year. vita surselva
Where they stand in the region
Helsana ranks 11 and KPT ranks 17, out of 24 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 | Helsana | KPT | Gap |
|---|---|---|---|
| 300 | CHF 526.00 | CHF 542.90 | − 16.90 |
| 500 | CHF 514.40 | CHF 531.30 | − 16.90 |
| 1'000 | CHF 485.20 | CHF 502.10 | − 16.90 |
| 1'500 | CHF 456.00 | CHF 472.90 | − 16.90 |
| 2'000 | CHF 426.90 | — | — |
| 2'500 | CHF 397.70 | CHF 414.60 | − 16.90 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Helsana | KPT |
|---|---|---|
| Other model | CHF 441.80 | CHF 460.00 |
| Family doctor | CHF 447.10 | CHF 460.00 |
| Free choice of doctor | CHF 526.00 | CHF 542.90 |
| HMO practice | — | CHF 480.70 |
How they moved in this region
Against 2025, Helsana moves by + 1.9 % and KPT by + 6.1 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.