Visana or KPT in Region 3 of canton Bern?

In Region 3, Visana is CHF 271.20 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

Visana comes down to CHF 465.50 a month, KPT to CHF 488.10. The gap is CHF 271.20 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 Visana is worth CHF 216.00 more a year. Agrisano

Visana ranks 2 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	Visana	KPT	Gap
300	CHF 542.50	CHF 578.00	− 35.50
500	CHF 535.80	CHF 566.40	− 30.60
1'000	CHF 501.70	CHF 537.20	− 35.50
1'500	CHF 472.50	CHF 508.00	− 35.50
2'000	CHF 443.30	—	—
2'500	CHF 414.20	CHF 449.70	− 35.50

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

Against 2025, Visana moves by + 3.0 % and KPT by + 3.3 % in this region.

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