KPT or Mutuel in Region 3 of canton Grisons?
In Region 3, Mutuel is CHF 52.80 a year cheaper than KPT for an adult on the same profile. Here is the detail — and what a third insurer would do.
The verdict, in this region
Mutuel comes down to CHF 455.60 a month, KPT to CHF 460.00. The gap is CHF 52.80 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is vita surselva, at CHF 404.70 a month. Moving there rather than to Mutuel is worth CHF 610.80 more a year. vita surselva
Where they stand in the region
KPT ranks 17 and Mutuel ranks 16, out of 24 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.
| Deductible | KPT | Mutuel | Gap |
|---|---|---|---|
| 300 | CHF 542.90 | CHF 520.60 | + 22.30 |
| 500 | CHF 531.30 | CHF 509.10 | + 22.20 |
| 1'000 | CHF 502.10 | CHF 480.10 | + 22.00 |
| 1'500 | CHF 472.90 | CHF 450.60 | + 22.30 |
| 2'000 | — | CHF 421.60 | — |
| 2'500 | CHF 414.60 | CHF 392.60 | + 22.00 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | KPT | Mutuel |
|---|---|---|
| Other model | CHF 460.00 | CHF 455.60 |
| Family doctor | CHF 460.00 | CHF 473.80 |
| HMO practice | CHF 480.70 | CHF 458.20 |
| Free choice of doctor | CHF 542.90 | CHF 520.60 |
How they moved in this region
Against 2025, KPT moves by + 6.1 % and Mutuel by + 6.9 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.