KPT or ÖKK in Region 2 of canton Bern?
In Region 2, ÖKK is CHF 200.40 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
ÖKK comes down to CHF 503.40 a month, KPT to CHF 520.10. The gap is CHF 200.40 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Visana, at CHF 493.60 a month. Moving there rather than to ÖKK is worth CHF 117.60 more a year. Visana
Where they stand in the region
KPT ranks 11 and ÖKK ranks 3, 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 | ÖKK | Gap |
|---|---|---|---|
| 300 | CHF 618.00 | CHF 572.00 | + 46.00 |
| 500 | CHF 606.40 | CHF 560.40 | + 46.00 |
| 1'000 | CHF 577.20 | CHF 531.20 | + 46.00 |
| 1'500 | CHF 548.00 | CHF 502.00 | + 46.00 |
| 2'000 | — | CHF 472.90 | — |
| 2'500 | CHF 489.70 | CHF 443.70 | + 46.00 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | KPT | ÖKK |
|---|---|---|
| Other model | CHF 520.10 | CHF 514.80 |
| Family doctor | CHF 520.10 | CHF 514.80 |
| HMO practice | CHF 534.80 | CHF 503.40 |
| Free choice of doctor | CHF 618.00 | CHF 572.00 |
How they moved in this region
Against 2025, KPT moves by + 4.8 % and ÖKK by + 4.9 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.