KPT or EGK in Region 1 of canton Grisons?

In Region 1, KPT is CHF 1'047.60 a year cheaper than EGK 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 460.80 a month, EGK to CHF 548.10. The gap is CHF 1'047.60 a year, 300-franc deductible, accident cover included.

Neither is the cheapest here: that is Sanitas, at CHF 453.60 a month. Moving there rather than to KPT is worth CHF 86.40 more a year. Sanitas

KPT ranks 2 and EGK ranks 22, out of 24 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	KPT	EGK	Gap
300	CHF 543.90	CHF 622.20	− 78.30
500	CHF 532.30	CHF 610.60	− 78.30
1'000	CHF 503.10	CHF 581.40	− 78.30
1'500	CHF 473.90	CHF 552.20	− 78.30
2'000	—	CHF 523.10	—
2'500	CHF 415.60	CHF 493.90	− 78.30

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

Against 2025, KPT moves by + 2.4 % and EGK by + 2.7 % in this region.

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