Visana or KPT in Region 1 of canton Grisons?
In Region 1, KPT is CHF 645.60 a year cheaper than Visana 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 460.80 a month, Visana to CHF 514.60. The gap is CHF 645.60 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Sanitas, at CHF 453.60 a month. Moving there rather than to KPT is worth CHF 86.40 more a year. Sanitas
Where they stand in the region
Visana ranks 19 and KPT ranks 2, out of 24 active insurers in this region.
Deductible by deductible
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 | Visana | KPT | Gap |
|---|---|---|---|
| 300 | CHF 612.60 | CHF 543.90 | + 68.70 |
| 500 | CHF 605.90 | CHF 532.30 | + 73.60 |
| 1'000 | CHF 571.80 | CHF 503.10 | + 68.70 |
| 1'500 | CHF 542.60 | CHF 473.90 | + 68.70 |
| 2'000 | CHF 513.40 | — | — |
| 2'500 | CHF 484.30 | CHF 415.60 | + 68.70 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Visana | KPT |
|---|---|---|
| Family doctor | CHF 514.60 | CHF 481.60 |
| HMO practice | CHF 514.60 | CHF 473.20 |
| Other model | CHF 520.80 | CHF 460.80 |
| Free choice of doctor | CHF 612.60 | CHF 543.90 |
How they moved in this region
Against 2025, Visana moves by + 2.8 % and KPT by + 2.4 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.