KPT or EGK in Region 3 of canton St. Gallen?

In Region 3, KPT is CHF 272.40 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 431.80 a month, EGK to CHF 454.50. The gap is CHF 272.40 a year, 300-franc deductible, accident cover included.

Neither is the cheapest here: that is Agrisano, at CHF 401.60 a month. Moving there rather than to KPT is worth CHF 362.40 more a year. Agrisano

KPT ranks 3 and EGK ranks 15, 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 507.70	CHF 510.60	− 2.90
500	CHF 496.10	CHF 499.00	− 2.90
1'000	CHF 466.90	CHF 469.80	− 2.90
1'500	CHF 437.70	CHF 440.60	− 2.90
2'000	—	CHF 411.50	—
2'500	CHF 379.40	CHF 382.30	− 2.90

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

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

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