KPT or EGK in Region 3 of canton Grisons?
In Region 3, KPT is CHF 94.80 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 460.00 a month, EGK to CHF 467.90. The gap is CHF 94.80 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 EGK ranks 20, 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 | EGK | Gap |
|---|---|---|---|
| 300 | CHF 542.90 | CHF 544.00 | − 1.10 |
| 500 | CHF 531.30 | CHF 532.30 | − 1.00 |
| 1'000 | CHF 502.10 | CHF 503.20 | − 1.10 |
| 1'500 | CHF 472.90 | CHF 474.00 | − 1.10 |
| 2'000 | — | CHF 444.80 | — |
| 2'500 | CHF 414.60 | CHF 415.70 | − 1.10 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | KPT | EGK |
|---|---|---|
| Other model | CHF 460.00 | CHF 467.90 |
| Family doctor | CHF 460.00 | CHF 470.60 |
| HMO practice | CHF 480.70 | — |
| Free choice of doctor | CHF 542.90 | CHF 544.00 |
How they moved in this region
Against 2025, KPT moves by + 6.1 % and EGK by + 2.9 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.