KPT or Mutuel in Region 2 of canton Bern?

In Region 2, KPT is CHF 396.00 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 520.10 a month, Mutuel to CHF 553.10. The gap is CHF 396.00 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 KPT is worth CHF 318.00 more a year. Visana

KPT ranks 11 and Mutuel ranks 23, 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	Mutuel	Gap
300	CHF 618.00	CHF 632.10	− 14.10
500	CHF 606.40	CHF 620.60	− 14.20
1'000	CHF 577.20	CHF 591.60	− 14.40
1'500	CHF 548.00	CHF 562.10	− 14.10
2'000	—	CHF 533.10	—
2'500	CHF 489.70	CHF 504.10	− 14.40

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

Against 2025, KPT moves by + 4.8 % and Mutuel by + 3.7 % in this region.

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