KPT or Mutuel in Region 2 of canton St. Gallen?

In Region 2, KPT is CHF 506.40 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 448.50 a month, Mutuel to CHF 490.70. The gap is CHF 506.40 a year, 300-franc deductible, accident cover included.

Neither is the cheapest here: that is Agrisano, at CHF 419.60 a month. Moving there rather than to KPT is worth CHF 346.80 more a year. Agrisano

KPT ranks 4 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 528.60	CHF 560.70	− 32.10
500	CHF 517.00	CHF 549.20	− 32.20
1'000	CHF 487.80	CHF 520.20	− 32.40
1'500	CHF 458.60	CHF 490.70	− 32.10
2'000	—	CHF 461.70	—
2'500	CHF 400.30	CHF 432.70	− 32.40

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

Against 2025, KPT moves by + 3.2 % and Mutuel by + 4.6 % in this region.

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