Sanitas or KPT in Region 2 of canton Schaffhausen?
In Region 2, KPT is CHF 184.20 a year cheaper than Sanitas 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 469.00 a month, Sanitas to CHF 484.35. The gap is CHF 184.20 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 433.80 a month. Moving there rather than to KPT is worth CHF 422.40 more a year. Agrisano
Where they stand in the region
Sanitas ranks 10 and KPT ranks 6, out of 23 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 556.70 | CHF 554.20 | + 2.50 |
| 500 | CHF 545.10 | CHF 542.60 | + 2.50 |
| 1'000 | CHF 515.90 | CHF 513.40 | + 2.50 |
| 1'500 | CHF 486.70 | CHF 484.20 | + 2.50 |
| 2'000 | CHF 457.60 | — | — |
| 2'500 | CHF 428.40 | CHF 425.90 | + 2.50 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Sanitas | KPT |
|---|---|---|
| Family doctor | CHF 484.35 | CHF 490.30 |
| Other model | CHF 501.10 | CHF 469.00 |
| HMO practice | CHF 506.60 | CHF 490.30 |
| Free choice of doctor | CHF 556.70 | CHF 554.20 |
How they moved in this region
Against 2025, Sanitas moves by + 4.5 % and KPT by + 1.9 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.