KPT or Mutuel in Region 1 of canton Vaud?
In Region 1, Mutuel is CHF 55.20 a year cheaper than KPT for an adult on the same profile. Here is the detail — and what a third insurer would do.
The verdict, in this region
Mutuel comes down to CHF 617.50 a month, KPT to CHF 622.10. The gap is CHF 55.20 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Atupri, at CHF 570.10 a month. Moving there rather than to Mutuel is worth CHF 568.80 more a year. Atupri
Where they stand in the region
KPT ranks 16 and Mutuel ranks 15, out of 21 active insurers in this region.
Deductible by deductible
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 745.50 | CHF 718.00 | + 27.50 |
| 500 | CHF 733.90 | CHF 706.50 | + 27.40 |
| 1'000 | CHF 704.70 | CHF 677.50 | + 27.20 |
| 1'500 | CHF 675.50 | CHF 648.00 | + 27.50 |
| 2'000 | — | CHF 619.00 | — |
| 2'500 | CHF 617.20 | CHF 590.00 | + 27.20 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | KPT | Mutuel |
|---|---|---|
| Other model | CHF 622.10 | CHF 617.50 |
| HMO practice | CHF 640.60 | CHF 631.90 |
| Family doctor | CHF 652.90 | CHF 653.40 |
| Free choice of doctor | CHF 745.50 | CHF 718.00 |
How they moved in this region
Against 2025, KPT moves by + 5.9 % and Mutuel by + 3.1 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.