CSS or SWICA in Region 3 of canton Bern?
In Region 3, SWICA is CHF 133.20 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 485.90 a month, CSS to CHF 497.00. The gap is CHF 133.20 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 447.50 a month. Moving there rather than to SWICA is worth CHF 460.80 more a year. Agrisano
Where they stand in the region
CSS ranks 14 and SWICA ranks 6, out of 26 active insurers in this region.
Deductible by deductible
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 570.00 | CHF 571.60 | − 1.60 |
| 500 | CHF 558.40 | CHF 560.00 | − 1.60 |
| 1'000 | CHF 529.20 | CHF 530.80 | − 1.60 |
| 1'500 | CHF 500.00 | CHF 501.60 | − 1.60 |
| 2'000 | CHF 470.90 | CHF 472.50 | − 1.60 |
| 2'500 | CHF 441.70 | CHF 443.30 | − 1.60 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | CSS | SWICA |
|---|---|---|
| Family doctor | CHF 497.00 | CHF 494.50 |
| Other model | CHF 513.00 | CHF 513.10 |
| Free choice of doctor | CHF 570.00 | CHF 571.60 |
| HMO practice | — | CHF 485.90 |
How they moved in this region
Against 2025, CSS moves by + 7.8 % and SWICA by + 3.1 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.