KPT or EGK in Region 1 of canton St. Gallen?

In Region 1, KPT is CHF 250.80 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 487.30 a month, EGK to CHF 508.20. The gap is CHF 250.80 a year, 300-franc deductible, accident cover included.

Neither is the cheapest here: that is Sanitas, at CHF 479.65 a month. Moving there rather than to KPT is worth CHF 91.80 more a year. Sanitas

KPT ranks 9 and EGK ranks 17, out of 25 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 577.10	CHF 577.40	− 0.30
500	CHF 565.50	CHF 565.80	− 0.30
1'000	CHF 536.30	CHF 536.60	− 0.30
1'500	CHF 507.10	CHF 507.40	− 0.30
2'000	—	CHF 478.30	—
2'500	CHF 448.80	CHF 449.10	− 0.30

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

Against 2025, KPT moves by + 3.3 % and EGK by + 3.5 % in this region.

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