Helsana or SWICA in Region 2 of canton Bern?

In Region 2, Helsana is CHF 49.20 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

Helsana comes down to CHF 508.30 a month, SWICA to CHF 512.40. The gap is CHF 49.20 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 Helsana is worth CHF 176.40 more a year. Visana

Helsana ranks 4 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	Helsana	SWICA	Gap
300	CHF 598.00	CHF 613.60	− 15.60
500	CHF 586.40	CHF 602.00	− 15.60
1'000	CHF 557.20	CHF 572.80	− 15.60
1'500	CHF 528.00	CHF 543.60	− 15.60
2'000	CHF 498.90	CHF 514.50	− 15.60
2'500	CHF 469.70	CHF 485.30	− 15.60

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

Against 2025, Helsana moves by + 3.5 % and SWICA by + 0.7 % in this region.

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