CONCORDIA or KPT in Region 1 of canton Bern?
In Region 1, KPT is CHF 152.40 a year cheaper than CONCORDIA 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, CONCORDIA to CHF 590.80. The gap is CHF 152.40 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
CONCORDIA ranks 14 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 | CONCORDIA | KPT | Gap |
|---|---|---|---|
| 300 | CHF 699.10 | CHF 690.60 | + 8.50 |
| 500 | CHF 687.50 | CHF 679.00 | + 8.50 |
| 1'000 | CHF 658.30 | CHF 649.80 | + 8.50 |
| 1'500 | CHF 629.10 | CHF 620.60 | + 8.50 |
| 2'000 | CHF 600.00 | — | — |
| 2'500 | CHF 570.80 | CHF 562.30 | + 8.50 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | CONCORDIA | KPT |
|---|---|---|
| HMO practice | CHF 590.80 | CHF 595.00 |
| Other model | CHF 604.80 | CHF 578.10 |
| Family doctor | CHF 629.20 | CHF 583.80 |
| Free choice of doctor | CHF 699.10 | CHF 690.60 |
How they moved in this region
Against 2025, CONCORDIA moves by + 9.3 % and KPT by + 4.4 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.