KPT or Mutuel in Region 1 of canton Grisons?

In Region 1, KPT is CHF 224.40 a year cheaper than Mutuel 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, Mutuel to CHF 479.50. The gap is CHF 224.40 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 Mutuel ranks 9, 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	Mutuel	Gap
300	CHF 543.90	CHF 548.00	− 4.10
500	CHF 532.30	CHF 536.50	− 4.20
1'000	CHF 503.10	CHF 507.50	− 4.40
1'500	CHF 473.90	CHF 478.00	− 4.10
2'000	—	CHF 449.00	—
2'500	CHF 415.60	CHF 420.00	− 4.40

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

Against 2025, KPT moves by + 2.4 % and Mutuel by + 6.9 % in this region.

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