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SWICA or Assura-Basis in Region 1 of canton Bern?

In Region 1, SWICA is CHF 81.60 a year cheaper than Assura-Basis 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 582.70 a month, Assura-Basis to CHF 589.50. The gap is CHF 81.60 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 SWICA is worth CHF 511.20 more a year. Visana

Where they stand in the region

SWICA ranks 10 and Assura-Basis ranks 13, 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.

DeductibleSWICAAssura-BasisGap
300CHF 693.60CHF 689.40+ 4.20
500CHF 682.00CHF 677.80+ 4.20
1'000CHF 652.80CHF 648.60+ 4.20
1'500CHF 623.60CHF 619.40+ 4.20
2'000CHF 594.50CHF 590.30+ 4.20
2'500CHF 565.30CHF 561.10+ 4.20

Model by model

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

ModelSWICAAssura-Basis
HMO practiceCHF 582.70—
Family doctorCHF 593.10CHF 589.50
Other modelCHF 622.60—
Free choice of doctorCHF 693.60CHF 689.40

How they moved in this region

Against 2025, SWICA moves by + 3.1 % and Assura-Basis by + 2.7 % in this region.

SWICA, Assura-Basis, or another?

The comparator works out your actual premium across all 34 insurers at once, from your age, deductible and municipality.

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