Sanitas or KPT in Region 2 of canton Ticino?

In Region 2, KPT is CHF 241.80 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 565.90 a month, Sanitas to CHF 586.05. The gap is CHF 241.80 a year, 300-franc deductible, accident cover included.

Neither is the cheapest here: that is Agrisano, at CHF 539.00 a month. Moving there rather than to KPT is worth CHF 322.80 more a year. Agrisano

Sanitas ranks 11 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 673.60	CHF 675.30	− 1.70
500	CHF 662.00	CHF 663.70	− 1.70
1'000	CHF 632.80	CHF 634.50	− 1.70
1'500	CHF 603.60	CHF 605.30	− 1.70
2'000	CHF 574.50	—	—
2'500	CHF 545.30	CHF 547.00	− 1.70

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

Against 2025, Sanitas moves by + 5.1 % and KPT by + 4.7 % in this region.

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