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SWICA or CONCORDIA in Region 1 of canton Bern?

In Region 1, SWICA is CHF 97.20 a year cheaper than CONCORDIA 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, CONCORDIA to CHF 590.80. The gap is CHF 97.20 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 CONCORDIA ranks 14, 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.

DeductibleSWICACONCORDIAGap
300CHF 693.60CHF 699.10− 5.50
500CHF 682.00CHF 687.50− 5.50
1'000CHF 652.80CHF 658.30− 5.50
1'500CHF 623.60CHF 629.10− 5.50
2'000CHF 594.50CHF 600.00− 5.50
2'500CHF 565.30CHF 570.80− 5.50

Model by model

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

ModelSWICACONCORDIA
HMO practiceCHF 582.70CHF 590.80
Family doctorCHF 593.10CHF 629.20
Other modelCHF 622.60CHF 604.80
Free choice of doctorCHF 693.60CHF 699.10

How they moved in this region

Against 2025, SWICA moves by + 3.1 % and CONCORDIA by + 9.3 % in this region.

SWICA, CONCORDIA, 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.