KPT or ÖKK in Region 3 of canton St. Gallen?

In Region 3, KPT is CHF 183.60 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 431.80 a month, ÖKK to CHF 447.10. The gap is CHF 183.60 a year, 300-franc deductible, accident cover included.

Neither is the cheapest here: that is Agrisano, at CHF 401.60 a month. Moving there rather than to KPT is worth CHF 362.40 more a year. Agrisano

KPT ranks 3 and ÖKK ranks 12, out of 25 active insurers in this region.

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 507.70	CHF 508.00	− 0.30
500	CHF 496.10	CHF 496.40	− 0.30
1'000	CHF 466.90	CHF 467.20	− 0.30
1'500	CHF 437.70	CHF 438.00	− 0.30
2'000	—	CHF 408.90	—
2'500	CHF 379.40	CHF 379.70	− 0.30

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

Against 2025, KPT moves by + 3.2 % and ÖKK by + 4.7 % in this region.

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