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SWICA or Assura-Basis in Region 2 of canton Bern?

In Region 2, Assura-Basis is CHF 30.00 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

Assura-Basis comes down to CHF 509.90 a month, SWICA to CHF 512.40. The gap is CHF 30.00 a year, 300-franc deductible, accident cover included.

What the question hides

Neither is the cheapest here: that is Visana, at CHF 493.60 a month. Moving there rather than to Assura-Basis is worth CHF 195.60 more a year. Visana

Where they stand in the region

SWICA ranks 7 and Assura-Basis ranks 5, 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 613.60CHF 586.00+ 27.60
500CHF 602.00CHF 574.40+ 27.60
1'000CHF 572.80CHF 545.20+ 27.60
1'500CHF 543.60CHF 516.00+ 27.60
2'000CHF 514.50CHF 486.90+ 27.60
2'500CHF 485.30CHF 457.70+ 27.60

Model by model

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

ModelSWICAAssura-Basis
Family doctorCHF 512.40CHF 509.90
HMO practiceCHF 521.60—
Other modelCHF 550.80—
Free choice of doctorCHF 613.60CHF 586.00

How they moved in this region

Against 2025, SWICA moves by + 0.7 % and Assura-Basis by + 2.1 % 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.