CSS or SWICA in Region 2 of canton Bern?

In Region 2, SWICA is CHF 16.80 a year cheaper than CSS for an adult on the same profile. Here is the detail — and what a third insurer would do.

The verdict, in this region

SWICA comes down to CHF 512.40 a month, CSS to CHF 513.80. The gap is CHF 16.80 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 SWICA is worth CHF 225.60 more a year. Visana

CSS ranks 8 and SWICA ranks 7, 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 608.00	CHF 613.60	− 5.60
500	CHF 596.40	CHF 602.00	− 5.60
1'000	CHF 567.20	CHF 572.80	− 5.60
1'500	CHF 538.00	CHF 543.60	− 5.60
2'000	CHF 508.90	CHF 514.50	− 5.60
2'500	CHF 479.70	CHF 485.30	− 5.60

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

Against 2025, CSS moves by + 4.7 % and SWICA by + 0.7 % in this region.

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