KPT or Mutuel in Region 2 of canton Ticino?

In Region 2, KPT is CHF 1'002.00 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 565.90 a month, Mutuel to CHF 649.40. The gap is CHF 1'002.00 a year, 300-franc deductible, accident cover included.

Neither is the cheapest here: that is Agrisano, at CHF 539.00 a month. Moving there rather than to KPT is worth CHF 322.80 more a year. Agrisano

KPT ranks 4 and Mutuel ranks 18, 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 675.30	CHF 733.80	− 58.50
500	CHF 663.70	CHF 722.30	− 58.60
1'000	CHF 634.50	CHF 693.30	− 58.80
1'500	CHF 605.30	CHF 663.80	− 58.50
2'000	—	CHF 634.80	—
2'500	CHF 547.00	CHF 605.80	− 58.80

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

Against 2025, KPT moves by + 4.7 % and Mutuel by + 3.3 % in this region.

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