KPT or Mutuel in Region 1 of canton Schaffhausen?

In Region 1, KPT is CHF 619.20 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 503.60 a month, Mutuel to CHF 555.20. The gap is CHF 619.20 a year, 300-franc deductible, accident cover included.

Neither is the cheapest here: that is ÖKK, at CHF 480.30 a month. Moving there rather than to KPT is worth CHF 279.60 more a year. ÖKK

KPT ranks 8 and Mutuel ranks 21, out of 23 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 597.40	CHF 630.90	− 33.50
500	CHF 585.80	CHF 619.40	− 33.60
1'000	CHF 556.60	CHF 590.40	− 33.80
1'500	CHF 527.40	CHF 560.90	− 33.50
2'000	—	CHF 531.90	—
2'500	CHF 469.10	CHF 502.90	− 33.80

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

Against 2025, KPT moves by + 1.9 % and Mutuel by + 3.7 % in this region.

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