KPT in canton Appenzell Innerrhoden: twelve years of premiums
In canton Appenzell Innerrhoden, the lowest KPT premium went from CHF 278.90 a month in 2015 to CHF 364.90 in 2026 — a rise of +30.8 %. The table below places it next to the canton's cheapest insurer, year by year.
| Year | This insurer | The cheapest | Gap |
|---|---|---|---|
| 2015 | CHF 278.90 | CHF 236.30 | CHF 42.60 |
| 2016 | CHF 276.50 | CHF 249.50 | CHF 27.00 |
| 2017 | CHF 311.00 | CHF 272.50 | CHF 38.50 |
| 2018 | CHF 313.10 | CHF 282.40 | CHF 30.70 |
| 2019 | CHF 315.20 | CHF 280.20 | CHF 35.00 |
| 2020 | CHF 321.50 | CHF 285.90 | CHF 35.60 |
| 2021 | CHF 321.50 | CHF 272.10 | CHF 49.40 |
| 2022 | CHF 316.60 | CHF 278.10 | CHF 38.50 |
| 2023 | CHF 319.80 | CHF 310.60 | CHF 9.20 |
| 2024 | CHF 345.70 | CHF 329.60 | CHF 16.10 |
| 2025 | CHF 356.20 | CHF 345.60 | CHF 10.60 |
| 2026 | CHF 364.90 | CHF 353.50 | CHF 11.40 |
Faster or slower than the rest?
KPT rose +30.8 % over the period, against +49.6 % 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: +12.5 % in one go. The premium did not move in 2021.
The choice has changed too
In 2015, 43 insurers sold basic cover here. In 2026 there are 23: 20 have gone or merged. Comparing is still possible — on fewer rows. See the insurers that have gone
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.