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SWICA or EGK in Region 2 of canton Bern?

In Region 2, EGK is CHF 8.40 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

EGK comes down to CHF 511.70 a month, SWICA to CHF 512.40. The gap is CHF 8.40 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 EGK is worth CHF 217.20 more a year. Visana

Where they stand in the region

SWICA ranks 7 and EGK ranks 6, 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.

DeductibleSWICAEGKGap
300CHF 613.60CHF 620.60− 7.00
500CHF 602.00CHF 608.90− 6.90
1'000CHF 572.80CHF 579.80− 7.00
1'500CHF 543.60CHF 550.60− 7.00
2'000CHF 514.50CHF 521.40− 6.90
2'500CHF 485.30CHF 492.30− 7.00

Model by model

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

ModelSWICAEGK
Family doctorCHF 512.40CHF 558.60
HMO practiceCHF 521.60—
Other modelCHF 550.80CHF 511.70
Free choice of doctorCHF 613.60CHF 620.60

How they moved in this region

Against 2025, SWICA moves by + 0.7 % and EGK by + 4.7 % in this region.

SWICA, EGK, 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.