KPT or EGK in Region 3 of canton Bern?
In Region 3, KPT is CHF 36.00 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 488.10 a month, EGK to CHF 491.10. The gap is CHF 36.00 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
KPT ranks 8 and EGK ranks 10, 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 | KPT | EGK | Gap |
|---|---|---|---|
| 300 | CHF 578.00 | CHF 571.00 | + 7.00 |
| 500 | CHF 566.40 | CHF 559.30 | + 7.10 |
| 1'000 | CHF 537.20 | CHF 530.20 | + 7.00 |
| 1'500 | CHF 508.00 | CHF 501.00 | + 7.00 |
| 2'000 | — | CHF 471.80 | — |
| 2'500 | CHF 449.70 | CHF 442.70 | + 7.00 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | KPT | EGK |
|---|---|---|
| Other model | CHF 488.10 | CHF 491.10 |
| Family doctor | CHF 497.10 | CHF 510.90 |
| HMO practice | CHF 506.00 | — |
| Free choice of doctor | CHF 578.00 | CHF 571.00 |
How they moved in this region
Against 2025, KPT moves by + 3.3 % and EGK by + 4.0 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.