Helsana or KPT in Region 2 of canton Schaffhausen?
In Region 2, KPT is CHF 267.60 a year cheaper than Helsana 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, Helsana to CHF 491.30. The gap is CHF 267.60 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
Helsana ranks 14 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 | Helsana | KPT | Gap |
|---|---|---|---|
| 300 | CHF 578.00 | CHF 554.20 | + 23.80 |
| 500 | CHF 566.40 | CHF 542.60 | + 23.80 |
| 1'000 | CHF 537.20 | CHF 513.40 | + 23.80 |
| 1'500 | CHF 508.00 | CHF 484.20 | + 23.80 |
| 2'000 | CHF 478.90 | — | — |
| 2'500 | CHF 449.70 | CHF 425.90 | + 23.80 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Helsana | KPT |
|---|---|---|
| Other model | CHF 491.30 | CHF 469.00 |
| Family doctor | CHF 491.30 | CHF 490.30 |
| Free choice of doctor | CHF 578.00 | CHF 554.20 |
| HMO practice | — | CHF 490.30 |
How they moved in this region
Against 2025, Helsana moves by + 5.7 % and KPT by + 1.9 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.