Helsana or SWICA in Region 1 of canton Bern?
In Region 1, Helsana is CHF 405.60 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
Helsana comes down to CHF 548.90 a month, SWICA to CHF 582.70. The gap is CHF 405.60 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Visana, at CHF 540.10 a month. Moving there rather than to Helsana is worth CHF 105.60 more a year. Visana
Where they stand in the region
Helsana ranks 4 and SWICA ranks 10, 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 | Helsana | SWICA | Gap |
|---|---|---|---|
| 300 | CHF 631.00 | CHF 693.60 | − 62.60 |
| 500 | CHF 619.40 | CHF 682.00 | − 62.60 |
| 1'000 | CHF 590.20 | CHF 652.80 | − 62.60 |
| 1'500 | CHF 561.00 | CHF 623.60 | − 62.60 |
| 2'000 | CHF 531.90 | CHF 594.50 | − 62.60 |
| 2'500 | CHF 502.70 | CHF 565.30 | − 62.60 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Helsana | SWICA |
|---|---|---|
| Other model | CHF 548.90 | CHF 622.60 |
| Family doctor | CHF 548.90 | CHF 593.10 |
| Free choice of doctor | CHF 631.00 | CHF 693.60 |
| HMO practice | — | CHF 582.70 |
How they moved in this region
Against 2025, Helsana moves by + 3.8 % and SWICA by + 3.1 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.