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KPT or EGK in Region 1 of canton Bern?

In Region 1, KPT is CHF 303.60 a year cheaper than EGK 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, EGK to CHF 603.40. The gap is CHF 303.60 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

KPT ranks 8 and EGK ranks 17, 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.

DeductibleKPTEGKGap
300CHF 690.60CHF 689.50+ 1.10
500CHF 679.00CHF 677.90+ 1.10
1'000CHF 649.80CHF 648.70+ 1.10
1'500CHF 620.60CHF 619.50+ 1.10
2'000—CHF 590.40—
2'500CHF 562.30CHF 561.20+ 1.10

Model by model

Each insurer’s lowest rate in each model type, 300-franc deductible.

ModelKPTEGK
Other modelCHF 578.10CHF 603.40
Family doctorCHF 583.80CHF 603.40
HMO practiceCHF 595.00—
Free choice of doctorCHF 690.60CHF 689.50

How they moved in this region

Against 2025, KPT moves by + 4.4 % and EGK by + 4.1 % in this region.

KPT, EGK, or another?

The comparator works out your actual premium across all 34 insurers at once, from your age, deductible and municipality.

Source: Federal Office of Public Health (FOPH), official premiums.