KPT HMO are cheap! KPTwin.plus http://www.priminfo.ch/praemien/index.php?sprache=d

There are different tariffs for doctors, and if you choose, by accident or design, the more expensive doctor
then the insurance premiums will ultimately be a little bit more expensive.

If you choose the HMO or HMA options you save a lot of money by going to one on a list of approved doctors.

I use Visana HMO and I promise Visana I will use Sanacare, which is a modern GP practice.
My Sanacare in Bern has about 12 doctors and 14 nurses, with at least 3 secretaries.
http://www.sanacare.ch/htm/praxen.ht...&pid=3&navid=3
I have been treated by 4 of these doctors, but I could have waited for my regular one.