KPT or Mutuel in Region 1 of canton Bern?
In Region 1, KPT is CHF 277.20 a year cheaper than Mutuel 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, Mutuel to CHF 601.20. The gap is CHF 277.20 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 Mutuel ranks 16, 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 | Mutuel | Gap |
|---|---|---|---|
| 300 | CHF 690.60 | CHF 687.00 | + 3.60 |
| 500 | CHF 679.00 | CHF 675.50 | + 3.50 |
| 1'000 | CHF 649.80 | CHF 646.50 | + 3.30 |
| 1'500 | CHF 620.60 | CHF 617.00 | + 3.60 |
| 2'000 | — | CHF 588.00 | — |
| 2'500 | CHF 562.30 | CHF 559.00 | + 3.30 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | KPT | Mutuel |
|---|---|---|
| Other model | CHF 578.10 | CHF 601.20 |
| Family doctor | CHF 583.80 | CHF 625.20 |
| HMO practice | CHF 595.00 | CHF 604.60 |
| Free choice of doctor | CHF 690.60 | CHF 687.00 |
How they moved in this region
Against 2025, KPT moves by + 4.4 % and Mutuel by + 3.7 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.