Assura-Basis or KPT in Region 1 of canton Bern?
In Region 1, KPT is CHF 136.80 a year cheaper than Assura-Basis 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 578.10 a month, Assura-Basis to CHF 589.50. The gap is CHF 136.80 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Visana, at CHF 540.10 a month. Moving there rather than to KPT is worth CHF 456.00 more a year. Visana
Where they stand in the region
Assura-Basis ranks 13 and KPT ranks 8, out of 26 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 | Assura-Basis | KPT | Gap |
|---|---|---|---|
| 300 | CHF 689.40 | CHF 690.60 | − 1.20 |
| 500 | CHF 677.80 | CHF 679.00 | − 1.20 |
| 1'000 | CHF 648.60 | CHF 649.80 | − 1.20 |
| 1'500 | CHF 619.40 | CHF 620.60 | − 1.20 |
| 2'000 | CHF 590.30 | — | — |
| 2'500 | CHF 561.10 | CHF 562.30 | − 1.20 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Assura-Basis | KPT |
|---|---|---|
| Family doctor | CHF 589.50 | CHF 583.80 |
| Free choice of doctor | CHF 689.40 | CHF 690.60 |
| Other model | — | CHF 578.10 |
| HMO practice | — | CHF 595.00 |
How they moved in this region
Against 2025, Assura-Basis moves by + 2.7 % and KPT by + 4.4 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.