Visana or KPT in Region 1 of canton St. Gallen?

In Region 1, KPT is CHF 648.00 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 487.30 a month, Visana to CHF 541.30. The gap is CHF 648.00 a year, 300-franc deductible, accident cover included.

Neither is the cheapest here: that is Sanitas, at CHF 479.65 a month. Moving there rather than to KPT is worth CHF 91.80 more a year. Sanitas

Visana ranks 20 and KPT ranks 9, out of 25 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	Visana	KPT	Gap
300	CHF 637.50	CHF 577.10	+ 60.40
500	CHF 630.80	CHF 565.50	+ 65.30
1'000	CHF 596.70	CHF 536.30	+ 60.40
1'500	CHF 567.50	CHF 507.10	+ 60.40
2'000	CHF 538.30	—	—
2'500	CHF 509.20	CHF 448.80	+ 60.40

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

Against 2025, Visana moves by + 1.2 % and KPT by + 3.3 % in this region.

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