KPT in canton St. Gallen: twelve years of premiums
In canton St. Gallen, the lowest KPT premium went from CHF 278.50 a month in 2015 to CHF 431.80 in 2026 — a rise of +55.0 %. The table below places it next to the canton's cheapest insurer, year by year.
| Year | This insurer | The cheapest | Gap |
|---|---|---|---|
| 2015 | CHF 278.50 | CHF 247.00 | CHF 31.50 |
| 2016 | CHF 298.90 | CHF 257.00 | CHF 41.90 |
| 2017 | CHF 338.90 | CHF 292.90 | CHF 46.00 |
| 2018 | CHF 340.10 | CHF 311.00 | CHF 29.10 |
| 2019 | CHF 346.50 | CHF 331.20 | CHF 15.30 |
| 2020 | CHF 359.30 | CHF 333.50 | CHF 25.80 |
| 2021 | CHF 367.30 | CHF 331.20 | CHF 36.10 |
| 2022 | CHF 361.60 | CHF 332.90 | CHF 28.70 |
| 2023 | CHF 364.40 | CHF 343.90 | CHF 20.50 |
| 2024 | CHF 394.60 | CHF 366.90 | CHF 27.70 |
| 2025 | CHF 418.40 | CHF 381.60 | CHF 36.80 |
| 2026 | CHF 431.80 | CHF 401.60 | CHF 30.20 |
Faster or slower than the rest?
KPT rose +55.0 % over the period, against +62.6 % 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: +13.4 % in one go.
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.
St. Gallen, canton by canton
KPT, canton by canton
Other insurers
Source: Federal Office of Public Health (FOPH), premium files from 2015 to today.