CSS or KPT in Region 2 of canton Bern?
In Region 2, CSS is CHF 75.60 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
CSS comes down to CHF 513.80 a month, KPT to CHF 520.10. The gap is CHF 75.60 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 CSS is worth CHF 242.40 more a year. Visana
Where they stand in the region
CSS ranks 8 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 | CSS | KPT | Gap |
|---|---|---|---|
| 300 | CHF 608.00 | CHF 618.00 | − 10.00 |
| 500 | CHF 596.40 | CHF 606.40 | − 10.00 |
| 1'000 | CHF 567.20 | CHF 577.20 | − 10.00 |
| 1'500 | CHF 538.00 | CHF 548.00 | − 10.00 |
| 2'000 | CHF 508.90 | — | — |
| 2'500 | CHF 479.70 | CHF 489.70 | − 10.00 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | CSS | KPT |
|---|---|---|
| Family doctor | CHF 513.80 | CHF 520.10 |
| Other model | CHF 547.20 | CHF 520.10 |
| Free choice of doctor | CHF 608.00 | CHF 618.00 |
| HMO practice | — | CHF 534.80 |
How they moved in this region
Against 2025, CSS moves by + 4.7 % and KPT by + 4.8 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.