Skip to content
Sophie

SWICA or CONCORDIA in Region 2 of canton Bern?

In Region 2, SWICA is CHF 206.40 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 512.40 a month, CONCORDIA to CHF 529.60. The gap is CHF 206.40 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 SWICA is worth CHF 225.60 more a year. Visana

Where they stand in the region

SWICA ranks 7 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 613.60CHF 626.70− 13.10
500CHF 602.00CHF 615.10− 13.10
1'000CHF 572.80CHF 585.90− 13.10
1'500CHF 543.60CHF 556.70− 13.10
2'000CHF 514.50CHF 527.60− 13.10
2'500CHF 485.30CHF 498.40− 13.10

Model by model

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

ModelSWICACONCORDIA
Family doctorCHF 512.40CHF 564.10
HMO practiceCHF 521.60CHF 529.60
Other modelCHF 550.80CHF 542.10
Free choice of doctorCHF 613.60CHF 626.70

How they moved in this region

Against 2025, SWICA moves by + 0.7 % and CONCORDIA by + 9.9 % 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.