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Sophie

SWICA or CONCORDIA in Region 3 of canton Bern?

In Region 3, SWICA is CHF 116.40 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 485.90 a month, CONCORDIA to CHF 495.60. The gap is CHF 116.40 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 CONCORDIA ranks 12, 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 571.60CHF 586.40− 14.80
500CHF 560.00CHF 574.80− 14.80
1'000CHF 530.80CHF 545.60− 14.80
1'500CHF 501.60CHF 516.40− 14.80
2'000CHF 472.50CHF 487.30− 14.80
2'500CHF 443.30CHF 458.10− 14.80

Model by model

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

ModelSWICACONCORDIA
HMO practiceCHF 485.90CHF 495.60
Family doctorCHF 494.50CHF 527.80
Other modelCHF 513.10CHF 507.30
Free choice of doctorCHF 571.60CHF 586.40

How they moved in this region

Against 2025, SWICA moves by + 3.1 % 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.