KPT or Mutuel in Region 3 of canton St. Gallen?

In Region 3, KPT is CHF 390.00 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 431.80 a month, Mutuel to CHF 464.30. The gap is CHF 390.00 a year, 300-franc deductible, accident cover included.

Neither is the cheapest here: that is Agrisano, at CHF 401.60 a month. Moving there rather than to KPT is worth CHF 362.40 more a year. Agrisano

KPT ranks 3 and Mutuel ranks 18, 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 507.70	CHF 530.60	− 22.90
500	CHF 496.10	CHF 519.10	− 23.00
1'000	CHF 466.90	CHF 490.10	− 23.20
1'500	CHF 437.70	CHF 460.60	− 22.90
2'000	—	CHF 431.60	—
2'500	CHF 379.40	CHF 402.60	− 23.20

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.