Sanitas or KPT in Region 1 of canton Ticino?

In Region 1, KPT is CHF 138.00 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 613.30 a month, Sanitas to CHF 624.80. The gap is CHF 138.00 a year, 300-franc deductible, accident cover included.

Neither is the cheapest here: that is Agrisano, at CHF 583.90 a month. Moving there rather than to KPT is worth CHF 352.80 more a year. Agrisano

Sanitas ranks 8 and KPT ranks 4, out of 21 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 726.40	CHF 734.60	− 8.20
500	CHF 714.80	CHF 723.00	− 8.20
1'000	CHF 685.60	CHF 693.80	− 8.20
1'500	CHF 656.40	CHF 664.60	− 8.20
2'000	CHF 627.30	—	—
2'500	CHF 598.10	CHF 606.30	− 8.20

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

Against 2025, Sanitas moves by + 7.3 % and KPT by + 7.8 % in this region.

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