Helsana or SWICA in Region 3 of canton Bern?

In Region 3, Helsana is CHF 27.60 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 483.60 a month, SWICA to CHF 485.90. The gap is CHF 27.60 a year, 300-franc deductible, accident cover included.

Neither is the cheapest here: that is Agrisano, at CHF 447.50 a month. Moving there rather than to Helsana is worth CHF 433.20 more a year. Agrisano

Helsana ranks 5 and SWICA ranks 6, 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 569.00	CHF 571.60	− 2.60
500	CHF 557.40	CHF 560.00	− 2.60
1'000	CHF 528.20	CHF 530.80	− 2.60
1'500	CHF 499.00	CHF 501.60	− 2.60
2'000	CHF 469.90	CHF 472.50	− 2.60
2'500	CHF 440.70	CHF 443.30	− 2.60

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

Against 2025, Helsana moves by + 5.1 % and SWICA by + 3.1 % in this region.

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