KPT or Mutuel in Region 2 of canton Grisons?

In Region 2, KPT is CHF 236.40 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 447.90 a month, Mutuel to CHF 467.60. The gap is CHF 236.40 a year, 300-franc deductible, accident cover included.

Neither is the cheapest here: that is Agrisano, at CHF 418.00 a month. Moving there rather than to KPT is worth CHF 358.80 more a year. Agrisano

KPT ranks 6 and Mutuel ranks 12, 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 538.10	CHF 534.30	+ 3.80
500	CHF 526.50	CHF 522.80	+ 3.70
1'000	CHF 497.30	CHF 493.80	+ 3.50
1'500	CHF 468.10	CHF 464.30	+ 3.80
2'000	—	CHF 435.30	—
2'500	CHF 409.80	CHF 406.30	+ 3.50

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

Against 2025, KPT moves by + 4.2 % and Mutuel by + 6.9 % in this region.

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