KPT — Region 1 of canton Bern, 2026 premiums
KPT covers the 15 municipalities of Region 1 in canton Bern. Its lowest adult premium here is CHF 418.30 a month, with a 300-franc deductible and accident cover included.
Where it stands in this region
KPT ranks 8 out of 26 active insurers in Region 1, cheapest to dearest.
The regional average across insurers is CHF 593.80 a month.
What staying costs
Moving from KPT to Visana, the cheapest insurer in this region, saves CHF 456.00 a year for an adult on the same profile.
The full KPT table
168 official rates for this region. Each cell gives the lowest price for that model at that deductible, accident cover included.
Adults From age 26.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 690.60 | CHF 583.80 | CHF 595.00 | CHF 578.10 |
| 500 | CHF 679.00 | CHF 572.20 | CHF 583.40 | CHF 566.50 |
| 1'000 | CHF 649.80 | CHF 543.00 | CHF 554.20 | CHF 537.30 |
| 1'500 | CHF 620.60 | CHF 513.80 | CHF 525.00 | CHF 508.10 |
| 2'500 | CHF 562.30 | CHF 455.50 | CHF 466.70 | CHF 449.80 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 552.50 | CHF 471.90 | CHF 480.40 | CHF 467.70 |
| 500 | CHF 540.90 | CHF 460.30 | CHF 468.80 | CHF 456.10 |
| 1'000 | CHF 511.70 | CHF 431.10 | CHF 439.60 | CHF 426.90 |
| 1'500 | CHF 482.50 | CHF 401.90 | CHF 410.40 | CHF 397.70 |
| 2'500 | CHF 424.20 | CHF 343.60 | CHF 352.10 | CHF 339.40 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 0 | CHF 165.70 | CHF 134.40 | CHF 137.70 | CHF 132.60 |
| 200 | CHF 154.10 | CHF 124.90 | CHF 128.00 | CHF 123.40 |
| 400 | CHF 142.40 | CHF 115.40 | CHF 118.30 | CHF 114.00 |
| 600 | CHF 130.70 | CHF 106.00 | CHF 108.50 | CHF 104.70 |
With or without accident cover
With accident cover: CHF 690.60 a month. Without: CHF 642.30. Dropping it saves CHF 579.60 a year — but only if your employer already insures accidents, which requires at least eight hours of work a week.
Every other figure on this page includes accident cover.
Compared with last year
In this region the insurer’s lowest premium goes from CHF 553.80 in 2025 to CHF 418.30 — a rise of 4.4 %.
The 15 municipalities in this region
They all pay exactly the same rate: under basic insurance the premium belongs to Region 1 of canton Bern, not to the municipality.
Bern · Biel/Bienne · Bolligen · Bremgarten bei Bern · Evilard · Ittigen · Kirchlindach · Köniz · Muri bei Bern · Oberbalm · Ostermundigen · Stettlen · Vechigen · Wohlen bei Bern · Zollikofen
The other insurers in Region 1
26 insurers offer premiums in this region. Lowest adult premium, 300-franc deductible, accident cover included.
| Insurer | From | |
|---|---|---|
| Visana | CHF 540.10 | View |
| Vivao Sympany | CHF 545.90 | View |
| Atupri | CHF 548.90 | View |
| Helsana | CHF 548.90 | View |
| Sanitas | CHF 552.30 | View |
| sana24 | CHF 571.80 | View |
| CSS | CHF 577.10 | View |
| Steffisburg | CHF 581.10 | View |
| SWICA | CHF 582.70 | View |
| ÖKK | CHF 585.20 | View |
| Sumiswalder | CHF 586.50 | View |
| Assura-Basis | CHF 589.50 | View |
| CONCORDIA | CHF 590.80 | View |
| sodalis | CHF 598.20 | View |
| Mutuel | CHF 601.20 | View |
| EGK | CHF 603.40 | View |
| Avenir | CHF 606.70 | View |
| SLKK | CHF 607.70 | View |
| Philos | CHF 609.30 | View |
| Agrisano | CHF 611.30 | View |
| Aquilana | CHF 612.70 | View |
| Galenos | CHF 630.20 | View |
| Luzerner Hinterland | CHF 634.95 | View |
| vita surselva | CHF 646.00 | View |
| rhenusana | CHF 698.20 | View |
Source: Federal Office of Public Health (FOPH), official premiums.