Sanitas or KPT in Region 1 of canton St. Gallen?

In Region 1, Sanitas is CHF 91.80 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 479.65 a month, KPT to CHF 487.30. The gap is CHF 91.80 a year, 300-franc deductible, accident cover included.

Sanitas is also the cheapest insurer in the region, out of 25 active insurers. Duel and ranking give the same answer here.

Sanitas ranks 1 and KPT ranks 9, 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	Sanitas	KPT	Gap
300	CHF 551.30	CHF 577.10	− 25.80
500	CHF 539.70	CHF 565.50	− 25.80
1'000	CHF 510.50	CHF 536.30	− 25.80
1'500	CHF 481.30	CHF 507.10	− 25.80
2'000	CHF 452.20	—	—
2'500	CHF 423.00	CHF 448.80	− 25.80

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

Against 2025, Sanitas moves by + 4.1 % and KPT by + 3.3 % in this region.

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