CONCORDIA or KPT in Region 3 of canton Bern?
In Region 3, KPT is CHF 90.00 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 488.10 a month, CONCORDIA to CHF 495.60. The gap is CHF 90.00 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
CONCORDIA ranks 12 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 586.40 | CHF 578.00 | + 8.40 |
| 500 | CHF 574.80 | CHF 566.40 | + 8.40 |
| 1'000 | CHF 545.60 | CHF 537.20 | + 8.40 |
| 1'500 | CHF 516.40 | CHF 508.00 | + 8.40 |
| 2'000 | CHF 487.30 | — | — |
| 2'500 | CHF 458.10 | CHF 449.70 | + 8.40 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | CONCORDIA | KPT |
|---|---|---|
| HMO practice | CHF 495.60 | CHF 506.00 |
| Other model | CHF 507.30 | CHF 488.10 |
| Family doctor | CHF 527.80 | CHF 497.10 |
| Free choice of doctor | CHF 586.40 | CHF 578.00 |
How they moved in this region
Against 2025, CONCORDIA moves by + 9.9 % and KPT by + 3.3 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.