Sanitas or KPT in Region 3 of canton Grisons?
In Region 3, Sanitas is CHF 303.00 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 434.75 a month, KPT to CHF 460.00. The gap is CHF 303.00 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 Sanitas is worth CHF 360.60 more a year. vita surselva
Where they stand in the region
Sanitas ranks 9 and KPT ranks 17, 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 | Sanitas | KPT | Gap |
|---|---|---|---|
| 300 | CHF 499.70 | CHF 542.90 | − 43.20 |
| 500 | CHF 488.10 | CHF 531.30 | − 43.20 |
| 1'000 | CHF 458.90 | CHF 502.10 | − 43.20 |
| 1'500 | CHF 429.70 | CHF 472.90 | − 43.20 |
| 2'000 | CHF 400.60 | — | — |
| 2'500 | CHF 371.40 | CHF 414.60 | − 43.20 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Sanitas | KPT |
|---|---|---|
| Family doctor | CHF 434.75 | CHF 460.00 |
| Other model | CHF 434.80 | CHF 460.00 |
| HMO practice | CHF 454.80 | CHF 480.70 |
| Free choice of doctor | CHF 499.70 | CHF 542.90 |
How they moved in this region
Against 2025, Sanitas moves by + 4.2 % and KPT by + 6.1 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.