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KPT or ÖKK in Region 2 of canton Grisons?

In Region 2, ÖKK is CHF 147.60 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

ÖKK comes down to CHF 435.60 a month, KPT to CHF 447.90. The gap is CHF 147.60 a year, 300-franc deductible, accident cover included.

What the question hides

Neither is the cheapest here: that is Agrisano, at CHF 418.00 a month. Moving there rather than to ÖKK is worth CHF 211.20 more a year. Agrisano

Where they stand in the region

KPT ranks 6 and ÖKK ranks 2, 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 538.10CHF 484.00+ 54.10
500CHF 526.50CHF 472.40+ 54.10
1'000CHF 497.30CHF 443.20+ 54.10
1'500CHF 468.10CHF 414.00+ 54.10
2'000—CHF 384.90—
2'500CHF 409.80CHF 355.70+ 54.10

Model by model

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

ModelKPTÖKK
Family doctorCHF 447.90CHF 435.60
Other modelCHF 456.10CHF 435.60
HMO practiceCHF 476.60CHF 435.60
Free choice of doctorCHF 538.10CHF 484.00

How they moved in this region

Against 2025, KPT moves by + 4.2 % and ÖKK by + 5.4 % 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.