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KPT or ÖKK in Region 1 of canton Grisons?

In Region 1, KPT is CHF 32.40 a year cheaper than ÖKK 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 460.80 a month, ÖKK to CHF 463.50. The gap is CHF 32.40 a year, 300-franc deductible, accident cover included.

What the question hides

Neither is the cheapest here: that is Sanitas, at CHF 453.60 a month. Moving there rather than to KPT is worth CHF 86.40 more a year. Sanitas

Where they stand in the region

KPT ranks 2 and ÖKK ranks 4, out of 24 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.

DeductibleKPTÖKKGap
300CHF 543.90CHF 515.00+ 28.90
500CHF 532.30CHF 503.40+ 28.90
1'000CHF 503.10CHF 474.20+ 28.90
1'500CHF 473.90CHF 445.00+ 28.90
2'000—CHF 415.90—
2'500CHF 415.60CHF 386.70+ 28.90

Model by model

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

ModelKPTÖKK
Other modelCHF 460.80CHF 463.50
HMO practiceCHF 473.20CHF 463.50
Family doctorCHF 481.60CHF 463.50
Free choice of doctorCHF 543.90CHF 515.00

How they moved in this region

Against 2025, KPT moves by + 2.4 % and ÖKK by + 4.0 % in this region.

KPT, ÖKK, or another?

The comparator works out your actual premium across all 34 insurers at once, from your age, deductible and municipality.

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