KPT or Mutuel in Region 1 of canton Ticino?

In Region 1, KPT is CHF 843.60 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 613.30 a month, Mutuel to CHF 683.60. The gap is CHF 843.60 a year, 300-franc deductible, accident cover included.

Neither is the cheapest here: that is Agrisano, at CHF 583.90 a month. Moving there rather than to KPT is worth CHF 352.80 more a year. Agrisano

KPT ranks 4 and Mutuel ranks 17, out of 21 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 734.60	CHF 772.40	− 37.80
500	CHF 723.00	CHF 760.90	− 37.90
1'000	CHF 693.80	CHF 731.90	− 38.10
1'500	CHF 664.60	CHF 702.40	− 37.80
2'000	—	CHF 673.40	—
2'500	CHF 606.30	CHF 644.40	− 38.10

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

Against 2025, KPT moves by + 7.8 % and Mutuel by + 3.3 % in this region.

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