Sanitas or KPT in Region 3 of canton Bern?

In Region 3, KPT is CHF 88.20 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 488.10 a month, Sanitas to CHF 495.45. The gap is CHF 88.20 a year, 300-franc deductible, accident cover included.

Neither is the cheapest here: that is Agrisano, at CHF 447.50 a month. Moving there rather than to KPT is worth CHF 487.20 more a year. Agrisano

Sanitas ranks 11 and KPT ranks 8, 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 569.50	CHF 578.00	− 8.50
500	CHF 557.90	CHF 566.40	− 8.50
1'000	CHF 528.70	CHF 537.20	− 8.50
1'500	CHF 499.50	CHF 508.00	− 8.50
2'000	CHF 470.40	—	—
2'500	CHF 441.20	CHF 449.70	− 8.50

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

Against 2025, Sanitas moves by + 2.0 % and KPT by + 3.3 % in this region.

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