CSS or SWICA in Region 1 of canton Bern?

In Region 1, CSS is CHF 67.20 a year cheaper than SWICA for an adult on the same profile. Here is the detail — and what a third insurer would do.

The verdict, in this region

CSS comes down to CHF 577.10 a month, SWICA to CHF 582.70. The gap is CHF 67.20 a year, 300-franc deductible, accident cover included.

Neither is the cheapest here: that is Visana, at CHF 540.10 a month. Moving there rather than to CSS is worth CHF 444.00 more a year. Visana

CSS ranks 7 and SWICA ranks 10, 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	CSS	SWICA	Gap
300	CHF 683.00	CHF 693.60	− 10.60
500	CHF 671.40	CHF 682.00	− 10.60
1'000	CHF 642.20	CHF 652.80	− 10.60
1'500	CHF 613.00	CHF 623.60	− 10.60
2'000	CHF 583.90	CHF 594.50	− 10.60
2'500	CHF 554.70	CHF 565.30	− 10.60

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

Against 2025, CSS moves by + 3.5 % and SWICA by + 3.1 % in this region.

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