Visana or KPT in Region 2 of canton St. Gallen?
In Region 2, KPT is CHF 789.60 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 448.50 a month, Visana to CHF 514.30. The gap is CHF 789.60 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 419.60 a month. Moving there rather than to KPT is worth CHF 346.80 more a year. Agrisano
Where they stand in the region
Visana ranks 23 and KPT ranks 4, out of 25 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 605.70 | CHF 528.60 | + 77.10 |
| 500 | CHF 599.00 | CHF 517.00 | + 82.00 |
| 1'000 | CHF 564.90 | CHF 487.80 | + 77.10 |
| 1'500 | CHF 535.70 | CHF 458.60 | + 77.10 |
| 2'000 | CHF 506.50 | — | — |
| 2'500 | CHF 477.40 | CHF 400.30 | + 77.10 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Visana | KPT |
|---|---|---|
| HMO practice | CHF 514.30 | CHF 452.50 |
| Other model | CHF 521.00 | CHF 448.50 |
| Family doctor | CHF 521.00 | CHF 468.60 |
| Free choice of doctor | CHF 605.70 | CHF 528.60 |
How they moved in this region
Against 2025, Visana moves by + 1.2 % and KPT by + 3.2 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.