Assura-Basis or KPT in Region 3 of canton Bern?
In Region 3, KPT is CHF 170.40 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 488.10 a month, Assura-Basis to CHF 502.30. The gap is CHF 170.40 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 447.50 a month. Moving there rather than to KPT is worth CHF 487.20 more a year. Agrisano
Where they stand in the region
Assura-Basis ranks 17 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 577.30 | CHF 578.00 | − 0.70 |
| 500 | CHF 565.70 | CHF 566.40 | − 0.70 |
| 1'000 | CHF 536.50 | CHF 537.20 | − 0.70 |
| 1'500 | CHF 507.30 | CHF 508.00 | − 0.70 |
| 2'000 | CHF 478.20 | — | — |
| 2'500 | CHF 449.00 | CHF 449.70 | − 0.70 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Assura-Basis | KPT |
|---|---|---|
| Family doctor | CHF 502.30 | CHF 497.10 |
| Free choice of doctor | CHF 577.30 | CHF 578.00 |
| Other model | — | CHF 488.10 |
| HMO practice | — | CHF 506.00 |
How they moved in this region
Against 2025, Assura-Basis moves by + 2.1 % and KPT by + 3.3 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.