CSS or KPT in Region 3 of canton Bern?
In Region 3, KPT is CHF 106.80 a year cheaper than CSS 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, CSS to CHF 497.00. The gap is CHF 106.80 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
CSS 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 | CSS | KPT | Gap |
|---|---|---|---|
| 300 | CHF 570.00 | CHF 578.00 | − 8.00 |
| 500 | CHF 558.40 | CHF 566.40 | − 8.00 |
| 1'000 | CHF 529.20 | CHF 537.20 | − 8.00 |
| 1'500 | CHF 500.00 | CHF 508.00 | − 8.00 |
| 2'000 | CHF 470.90 | — | — |
| 2'500 | CHF 441.70 | CHF 449.70 | − 8.00 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | CSS | KPT |
|---|---|---|
| Family doctor | CHF 497.00 | CHF 497.10 |
| Other model | CHF 513.00 | CHF 488.10 |
| Free choice of doctor | CHF 570.00 | CHF 578.00 |
| HMO practice | — | CHF 506.00 |
How they moved in this region
Against 2025, CSS moves by + 7.8 % and KPT by + 3.3 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.