SWICA or Atupri in Region 1 of canton Bern?
In Region 1, Atupri is CHF 405.60 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
Atupri comes down to CHF 548.90 a month, SWICA to CHF 582.70. The gap is CHF 405.60 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 Atupri is worth CHF 105.60 more a year. Visana
Where they stand in the region
SWICA ranks 10 and Atupri ranks 3, 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.
| Deductible | SWICA | Atupri | Gap |
|---|---|---|---|
| 300 | CHF 693.60 | CHF 648.10 | + 45.50 |
| 500 | CHF 682.00 | CHF 636.50 | + 45.50 |
| 1'000 | CHF 652.80 | CHF 607.30 | + 45.50 |
| 1'500 | CHF 623.60 | CHF 578.10 | + 45.50 |
| 2'000 | CHF 594.50 | CHF 549.00 | + 45.50 |
| 2'500 | CHF 565.30 | CHF 519.80 | + 45.50 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | SWICA | Atupri |
|---|---|---|
| HMO practice | CHF 582.70 | CHF 548.90 |
| Family doctor | CHF 593.10 | CHF 590.40 |
| Other model | CHF 622.60 | CHF 558.70 |
| Free choice of doctor | CHF 693.60 | CHF 648.10 |
How they moved in this region
Against 2025, SWICA moves by + 3.1 % and Atupri by + 2.1 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.