CONCORDIA or KPT in Region 2 of canton Bern?
In Region 2, KPT is CHF 114.00 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 520.10 a month, CONCORDIA to CHF 529.60. The gap is CHF 114.00 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 KPT is worth CHF 318.00 more a year. Visana
Where they stand in the region
CONCORDIA ranks 14 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 | CONCORDIA | KPT | Gap |
|---|---|---|---|
| 300 | CHF 626.70 | CHF 618.00 | + 8.70 |
| 500 | CHF 615.10 | CHF 606.40 | + 8.70 |
| 1'000 | CHF 585.90 | CHF 577.20 | + 8.70 |
| 1'500 | CHF 556.70 | CHF 548.00 | + 8.70 |
| 2'000 | CHF 527.60 | — | — |
| 2'500 | CHF 498.40 | CHF 489.70 | + 8.70 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | CONCORDIA | KPT |
|---|---|---|
| HMO practice | CHF 529.60 | CHF 534.80 |
| Other model | CHF 542.10 | CHF 520.10 |
| Family doctor | CHF 564.10 | CHF 520.10 |
| Free choice of doctor | CHF 626.70 | CHF 618.00 |
How they moved in this region
Against 2025, CONCORDIA moves by + 9.9 % and KPT by + 4.8 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.