Sanitas or KPT in Region 3 of canton St. Gallen?

In Region 3, KPT is CHF 168.00 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 431.80 a month, Sanitas to CHF 445.80. The gap is CHF 168.00 a year, 300-franc deductible, accident cover included.

Neither is the cheapest here: that is Agrisano, at CHF 401.60 a month. Moving there rather than to KPT is worth CHF 362.40 more a year. Agrisano

Sanitas ranks 10 and KPT ranks 3, 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 512.40	CHF 507.70	+ 4.70
500	CHF 500.80	CHF 496.10	+ 4.70
1'000	CHF 471.60	CHF 466.90	+ 4.70
1'500	CHF 442.40	CHF 437.70	+ 4.70
2'000	CHF 413.30	—	—
2'500	CHF 384.10	CHF 379.40	+ 4.70

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.