Visana or KPT in Region 2 of canton Grisons?
In Region 2, KPT is CHF 436.80 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 447.90 a month, Visana to CHF 484.30. The gap is CHF 436.80 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 418.00 a month. Moving there rather than to KPT is worth CHF 358.80 more a year. Agrisano
Where they stand in the region
Visana ranks 19 and KPT ranks 6, 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 576.50 | CHF 538.10 | + 38.40 |
| 500 | CHF 569.80 | CHF 526.50 | + 43.30 |
| 1'000 | CHF 535.70 | CHF 497.30 | + 38.40 |
| 1'500 | CHF 506.50 | CHF 468.10 | + 38.40 |
| 2'000 | CHF 477.30 | — | — |
| 2'500 | CHF 448.20 | CHF 409.80 | + 38.40 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Visana | KPT |
|---|---|---|
| Family doctor | CHF 484.30 | CHF 447.90 |
| HMO practice | CHF 484.30 | CHF 476.60 |
| Other model | CHF 490.10 | CHF 456.10 |
| Free choice of doctor | CHF 576.50 | CHF 538.10 |
How they moved in this region
Against 2025, Visana moves by + 2.8 % and KPT by + 4.2 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.