KPT in canton Appenzell Ausserrhoden: twelve years of premiums
In canton Appenzell Ausserrhoden, the lowest KPT premium went from CHF 285.70 a month in 2015 to CHF 444.00 in 2026 — a rise of +55.4 %. The table below places it next to the canton's cheapest insurer, year by year.
| Year | This insurer | The cheapest | Gap |
|---|---|---|---|
| 2015 | CHF 285.70 | CHF 236.00 | CHF 49.70 |
| 2016 | CHF 295.60 | CHF 266.80 | CHF 28.80 |
| 2017 | CHF 343.90 | CHF 288.70 | CHF 55.20 |
| 2018 | CHF 359.30 | CHF 302.10 | CHF 57.20 |
| 2019 | CHF 363.30 | CHF 320.40 | CHF 42.90 |
| 2020 | CHF 379.30 | CHF 339.10 | CHF 40.20 |
| 2021 | CHF 379.30 | CHF 336.80 | CHF 42.50 |
| 2022 | CHF 370.50 | CHF 345.20 | CHF 25.30 |
| 2023 | CHF 370.50 | CHF 341.20 | CHF 29.30 |
| 2024 | CHF 395.60 | CHF 373.20 | CHF 22.40 |
| 2025 | CHF 416.60 | CHF 395.60 | CHF 21.00 |
| 2026 | CHF 444.00 | CHF 412.30 | CHF 31.70 |
Faster or slower than the rest?
KPT rose +55.4 % over the period, against +74.7 % for the cheapest insurer in the same place. The gap narrowed — which does not mean this insurer is the cheapest today, only that it climbed more slowly.
The year that hurt — The steepest year-on-year jump was 2017: +16.3 % in one go. The premium did not move in 2021, 2023.
Figures for an adult, CHF 300 deductible, accident cover included — the only profile defined identically across all twelve years. Each year this is the lowest premium the insurer offered, all models combined.
KPT, canton by canton
Other insurers
Source: Federal Office of Public Health (FOPH), premium files from 2015 to today.