Sanitas or KPT in Region 1 of canton Vaud?

In Region 1, Sanitas is CHF 613.20 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 571.00 a month, KPT to CHF 622.10. The gap is CHF 613.20 a year, 300-franc deductible, accident cover included.

Neither is the cheapest here: that is Atupri, at CHF 570.10 a month. Moving there rather than to Sanitas is worth CHF 10.80 more a year. Atupri

Sanitas ranks 2 and KPT ranks 16, 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 675.70	CHF 745.50	− 69.80
500	CHF 664.10	CHF 733.90	− 69.80
1'000	CHF 634.90	CHF 704.70	− 69.80
1'500	CHF 605.70	CHF 675.50	− 69.80
2'000	CHF 576.60	—	—
2'500	CHF 547.40	CHF 617.20	− 69.80

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

Against 2025, Sanitas moves by + 2.7 % and KPT by + 5.9 % in this region.

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