Sanitas or KPT in Region 2 of canton St. Gallen?

In Region 2, KPT is CHF 105.60 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 448.50 a month, Sanitas to CHF 457.30. The gap is CHF 105.60 a year, 300-franc deductible, accident cover included.

Neither is the cheapest here: that is Agrisano, at CHF 419.60 a month. Moving there rather than to KPT is worth CHF 346.80 more a year. Agrisano

Sanitas ranks 9 and KPT ranks 4, 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 537.90	CHF 528.60	+ 9.30
500	CHF 526.30	CHF 517.00	+ 9.30
1'000	CHF 497.10	CHF 487.80	+ 9.30
1'500	CHF 467.90	CHF 458.60	+ 9.30
2'000	CHF 438.80	—	—
2'500	CHF 409.60	CHF 400.30	+ 9.30

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

Against 2025, Sanitas moves by + 4.1 % and KPT by + 3.2 % in this region.

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