KPT or ÖKK in Region 3 of canton Bern?
In Region 3, ÖKK is CHF 133.20 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 477.00 a month, KPT to CHF 488.10. The gap is CHF 133.20 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 ÖKK is worth CHF 354.00 more a year. Agrisano
Where they stand in the region
KPT ranks 8 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 578.00 | CHF 542.00 | + 36.00 |
| 500 | CHF 566.40 | CHF 530.40 | + 36.00 |
| 1'000 | CHF 537.20 | CHF 501.20 | + 36.00 |
| 1'500 | CHF 508.00 | CHF 472.00 | + 36.00 |
| 2'000 | — | CHF 442.90 | — |
| 2'500 | CHF 449.70 | CHF 413.70 | + 36.00 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | KPT | ÖKK |
|---|---|---|
| Other model | CHF 488.10 | CHF 487.80 |
| Family doctor | CHF 497.10 | CHF 487.80 |
| HMO practice | CHF 506.00 | CHF 477.00 |
| Free choice of doctor | CHF 578.00 | CHF 542.00 |
How they moved in this region
Against 2025, KPT moves by + 3.3 % and ÖKK by + 5.6 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.