Sanitas or KPT in Region 1 of canton Grisons?

In Region 1, Sanitas is CHF 86.40 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

Sanitas comes down to CHF 453.60 a month, KPT to CHF 460.80. The gap is CHF 86.40 a year, 300-franc deductible, accident cover included.

Sanitas is also the cheapest insurer in the region, out of 24 active insurers. Duel and ranking give the same answer here.

Sanitas ranks 1 and KPT ranks 2, out of 24 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	Sanitas	KPT	Gap
300	CHF 539.90	CHF 543.90	− 4.00
500	CHF 528.30	CHF 532.30	− 4.00
1'000	CHF 499.10	CHF 503.10	− 4.00
1'500	CHF 469.90	CHF 473.90	− 4.00
2'000	CHF 440.80	—	—
2'500	CHF 411.60	CHF 415.60	− 4.00

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

Against 2025, Sanitas moves by + 3.1 % and KPT by + 2.4 % in this region.

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