Visana or KPT in Region 3 of canton Grisons?
In Region 3, Visana is CHF 169.20 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
Visana comes down to CHF 445.90 a month, KPT to CHF 460.00. The gap is CHF 169.20 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is vita surselva, at CHF 404.70 a month. Moving there rather than to Visana is worth CHF 494.40 more a year. vita surselva
Where they stand in the region
Visana ranks 12 and KPT ranks 17, 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 530.70 | CHF 542.90 | − 12.20 |
| 500 | CHF 524.00 | CHF 531.30 | − 7.30 |
| 1'000 | CHF 489.90 | CHF 502.10 | − 12.20 |
| 1'500 | CHF 460.70 | CHF 472.90 | − 12.20 |
| 2'000 | CHF 431.50 | — | — |
| 2'500 | CHF 402.40 | CHF 414.60 | − 12.20 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Visana | KPT |
|---|---|---|
| Family doctor | CHF 445.90 | CHF 460.00 |
| HMO practice | CHF 445.90 | CHF 480.70 |
| Other model | CHF 451.20 | CHF 460.00 |
| Free choice of doctor | CHF 530.70 | CHF 542.90 |
How they moved in this region
Against 2025, Visana moves by + 2.8 % and KPT by + 6.1 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.