KPT or Mutuel in Region 2 of canton Vaud?
In Region 2, KPT is CHF 216.00 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 562.50 a month, Mutuel to CHF 580.50. The gap is CHF 216.00 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Assura-Basis, at CHF 537.30 a month. Moving there rather than to KPT is worth CHF 302.40 more a year. Assura-Basis
Where they stand in the region
KPT ranks 13 and Mutuel ranks 17, 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 671.10 | CHF 675.00 | − 3.90 |
| 500 | CHF 659.50 | CHF 663.50 | − 4.00 |
| 1'000 | CHF 630.30 | CHF 634.50 | − 4.20 |
| 1'500 | CHF 601.10 | CHF 605.00 | − 3.90 |
| 2'000 | — | CHF 576.00 | — |
| 2'500 | CHF 542.80 | CHF 547.00 | − 4.20 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | KPT | Mutuel |
|---|---|---|
| Other model | CHF 562.50 | CHF 580.50 |
| HMO practice | CHF 568.00 | CHF 594.00 |
| Family doctor | CHF 589.70 | CHF 614.20 |
| Free choice of doctor | CHF 671.10 | CHF 675.00 |
How they moved in this region
Against 2025, KPT moves by + 4.3 % and Mutuel by + 3.1 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.