Assura-Basis or KPT in Region 2 of canton Bern?
In Region 2, Assura-Basis is CHF 122.40 a year cheaper than KPT for an adult on the same profile. Here is the detail — and what a third insurer would do.
The verdict, in this region
Assura-Basis comes down to CHF 509.90 a month, KPT to CHF 520.10. The gap is CHF 122.40 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Visana, at CHF 493.60 a month. Moving there rather than to Assura-Basis is worth CHF 195.60 more a year. Visana
Where they stand in the region
Assura-Basis ranks 5 and KPT ranks 11, 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 586.00 | CHF 618.00 | − 32.00 |
| 500 | CHF 574.40 | CHF 606.40 | − 32.00 |
| 1'000 | CHF 545.20 | CHF 577.20 | − 32.00 |
| 1'500 | CHF 516.00 | CHF 548.00 | − 32.00 |
| 2'000 | CHF 486.90 | — | — |
| 2'500 | CHF 457.70 | CHF 489.70 | − 32.00 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Assura-Basis | KPT |
|---|---|---|
| Family doctor | CHF 509.90 | CHF 520.10 |
| Free choice of doctor | CHF 586.00 | CHF 618.00 |
| Other model | — | CHF 520.10 |
| HMO practice | — | CHF 534.80 |
How they moved in this region
Against 2025, Assura-Basis moves by + 2.1 % and KPT by + 4.8 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.