Helsana or KPT in Region 2 of canton St. Gallen?
In Region 2, KPT is CHF 121.20 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 448.50 a month, Helsana to CHF 458.60. The gap is CHF 121.20 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 419.60 a month. Moving there rather than to KPT is worth CHF 346.80 more a year. Agrisano
Where they stand in the region
Helsana ranks 12 and KPT ranks 4, 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 | Helsana | KPT | Gap |
|---|---|---|---|
| 300 | CHF 546.00 | CHF 528.60 | + 17.40 |
| 500 | CHF 534.40 | CHF 517.00 | + 17.40 |
| 1'000 | CHF 505.20 | CHF 487.80 | + 17.40 |
| 1'500 | CHF 476.00 | CHF 458.60 | + 17.40 |
| 2'000 | CHF 446.90 | — | — |
| 2'500 | CHF 417.70 | CHF 400.30 | + 17.40 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Helsana | KPT |
|---|---|---|
| Family doctor | CHF 458.60 | CHF 468.60 |
| Other model | CHF 480.40 | CHF 448.50 |
| Free choice of doctor | CHF 546.00 | CHF 528.60 |
| HMO practice | — | CHF 452.50 |
How they moved in this region
Against 2025, Helsana moves by + 6.7 % and KPT by + 3.2 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.