KPT or ÖKK in Region 3 of canton Grisons?
In Region 3, ÖKK is CHF 411.60 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 425.70 a month, KPT to CHF 460.00. The gap is CHF 411.60 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is vita surselva, at CHF 404.70 a month. Moving there rather than to ÖKK is worth CHF 252.00 more a year. vita surselva
Where they stand in the region
KPT ranks 17 and ÖKK ranks 5, 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.
| Deductible | KPT | ÖKK | Gap |
|---|---|---|---|
| 300 | CHF 542.90 | CHF 473.00 | + 69.90 |
| 500 | CHF 531.30 | CHF 461.40 | + 69.90 |
| 1'000 | CHF 502.10 | CHF 432.20 | + 69.90 |
| 1'500 | CHF 472.90 | CHF 403.00 | + 69.90 |
| 2'000 | — | CHF 373.90 | — |
| 2'500 | CHF 414.60 | CHF 344.70 | + 69.90 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | KPT | ÖKK |
|---|---|---|
| Other model | CHF 460.00 | CHF 425.70 |
| Family doctor | CHF 460.00 | CHF 425.70 |
| HMO practice | CHF 480.70 | CHF 425.70 |
| Free choice of doctor | CHF 542.90 | CHF 473.00 |
How they moved in this region
Against 2025, KPT moves by + 6.1 % and ÖKK by + 5.6 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.