Visana or KPT in Region 3 of canton St. Gallen?
In Region 3, KPT is CHF 878.40 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 431.80 a month, Visana to CHF 505.00. The gap is CHF 878.40 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 401.60 a month. Moving there rather than to KPT is worth CHF 362.40 more a year. Agrisano
Where they stand in the region
Visana ranks 22 and KPT ranks 3, 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 594.10 | CHF 507.70 | + 86.40 |
| 500 | CHF 587.40 | CHF 496.10 | + 91.30 |
| 1'000 | CHF 553.30 | CHF 466.90 | + 86.40 |
| 1'500 | CHF 524.10 | CHF 437.70 | + 86.40 |
| 2'000 | CHF 494.90 | — | — |
| 2'500 | CHF 465.80 | CHF 379.40 | + 86.40 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Visana | KPT |
|---|---|---|
| HMO practice | CHF 505.00 | CHF 435.60 |
| Other model | CHF 511.00 | CHF 431.80 |
| Family doctor | CHF 511.00 | CHF 450.80 |
| Free choice of doctor | CHF 594.10 | CHF 507.70 |
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.