Sanitas or KPT in Region 2 of canton Bern?

In Region 2, KPT is CHF 302.40 a year cheaper than Sanitas 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, Sanitas to CHF 545.30. The gap is CHF 302.40 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

Sanitas ranks 20 and KPT ranks 11, 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	Sanitas	KPT	Gap
300	CHF 626.80	CHF 618.00	+ 8.80
500	CHF 615.20	CHF 606.40	+ 8.80
1'000	CHF 586.00	CHF 577.20	+ 8.80
1'500	CHF 556.80	CHF 548.00	+ 8.80
2'000	CHF 527.70	—	—
2'500	CHF 498.50	CHF 489.70	+ 8.80

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

Against 2025, Sanitas moves by + 3.0 % and KPT by + 4.8 % in this region.

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