KPT or Mutuel in Region 1 of canton St. Gallen?

In Region 1, KPT is CHF 483.60 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 487.30 a month, Mutuel to CHF 527.60. The gap is CHF 483.60 a year, 300-franc deductible, accident cover included.

Neither is the cheapest here: that is Sanitas, at CHF 479.65 a month. Moving there rather than to KPT is worth CHF 91.80 more a year. Sanitas

KPT ranks 9 and Mutuel ranks 19, 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	Mutuel	Gap
300	CHF 577.10	CHF 602.90	− 25.80
500	CHF 565.50	CHF 591.40	− 25.90
1'000	CHF 536.30	CHF 562.40	− 26.10
1'500	CHF 507.10	CHF 532.90	− 25.80
2'000	—	CHF 503.90	—
2'500	CHF 448.80	CHF 474.90	− 26.10

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

Against 2025, KPT moves by + 3.3 % and Mutuel by + 4.6 % in this region.

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