KPT or Atupri in Region 3 of canton Grisons?
In Region 3, KPT is CHF 96.00 a year cheaper than Atupri 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 460.00 a month, Atupri to CHF 468.00. The gap is CHF 96.00 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 KPT is worth CHF 663.60 more a year. vita surselva
Where they stand in the region
KPT ranks 17 and Atupri ranks 21, 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 | KPT | Atupri | Gap |
|---|---|---|---|
| 300 | CHF 542.90 | CHF 537.90 | + 5.00 |
| 500 | CHF 531.30 | CHF 526.30 | + 5.00 |
| 1'000 | CHF 502.10 | CHF 497.10 | + 5.00 |
| 1'500 | CHF 472.90 | CHF 467.90 | + 5.00 |
| 2'000 | — | CHF 438.80 | — |
| 2'500 | CHF 414.60 | CHF 409.60 | + 5.00 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | KPT | Atupri |
|---|---|---|
| Other model | CHF 460.00 | CHF 473.40 |
| Family doctor | CHF 460.00 | CHF 468.00 |
| HMO practice | CHF 480.70 | — |
| Free choice of doctor | CHF 542.90 | CHF 537.90 |
How they moved in this region
Against 2025, KPT moves by + 6.1 % and Atupri by + 4.4 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.