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Sophie

SWICA or Assura-Basis in Region 3 of canton Bern?

In Region 3, SWICA is CHF 196.80 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 485.90 a month, Assura-Basis to CHF 502.30. The gap is CHF 196.80 a year, 300-franc deductible, accident cover included.

What the question hides

Neither is the cheapest here: that is Agrisano, at CHF 447.50 a month. Moving there rather than to SWICA is worth CHF 460.80 more a year. Agrisano

Where they stand in the region

SWICA ranks 6 and Assura-Basis ranks 17, 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 571.60CHF 577.30− 5.70
500CHF 560.00CHF 565.70− 5.70
1'000CHF 530.80CHF 536.50− 5.70
1'500CHF 501.60CHF 507.30− 5.70
2'000CHF 472.50CHF 478.20− 5.70
2'500CHF 443.30CHF 449.00− 5.70

Model by model

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

ModelSWICAAssura-Basis
HMO practiceCHF 485.90—
Family doctorCHF 494.50CHF 502.30
Other modelCHF 513.10—
Free choice of doctorCHF 571.60CHF 577.30

How they moved in this region

Against 2025, SWICA moves by + 3.1 % 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.