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KPT or EGK in Region 2 of canton St. Gallen?

In Region 2, KPT is CHF 111.60 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 448.50 a month, EGK to CHF 457.80. The gap is CHF 111.60 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

KPT ranks 4 and EGK ranks 10, 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.

DeductibleKPTEGKGap
300CHF 528.60CHF 526.10+ 2.50
500CHF 517.00CHF 514.40+ 2.60
1'000CHF 487.80CHF 485.20+ 2.60
1'500CHF 458.60CHF 456.10+ 2.50
2'000—CHF 426.90—
2'500CHF 400.30CHF 397.70+ 2.60

Model by model

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

ModelKPTEGK
Other modelCHF 448.50CHF 457.80
HMO practiceCHF 452.50—
Family doctorCHF 468.60CHF 478.80
Free choice of doctorCHF 528.60CHF 526.10

How they moved in this region

Against 2025, KPT moves by + 3.2 % and EGK by + 3.4 % in this region.

KPT, EGK, or another?

The comparator works out your actual premium across all 34 insurers at once, from your age, deductible and municipality.

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