KPT or EGK in Region 2 of canton Bern?

In Region 2, EGK is CHF 100.80 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

EGK comes down to CHF 511.70 a month, KPT to CHF 520.10. The gap is CHF 100.80 a year, 300-franc deductible, accident cover included.

Neither is the cheapest here: that is Visana, at CHF 493.60 a month. Moving there rather than to EGK is worth CHF 217.20 more a year. Visana

KPT ranks 11 and EGK ranks 6, out of 26 active insurers in this region.

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	KPT	EGK	Gap
300	CHF 618.00	CHF 620.60	− 2.60
500	CHF 606.40	CHF 608.90	− 2.50
1'000	CHF 577.20	CHF 579.80	− 2.60
1'500	CHF 548.00	CHF 550.60	− 2.60
2'000	—	CHF 521.40	—
2'500	CHF 489.70	CHF 492.30	− 2.60

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

Against 2025, KPT moves by + 4.8 % and EGK by + 4.7 % in this region.

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