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SWICA or EGK in Region 3 of canton Bern?

In Region 3, SWICA is CHF 62.40 a year cheaper than EGK 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, EGK to CHF 491.10. The gap is CHF 62.40 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 EGK ranks 10, 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 571.60CHF 571.00+ 0.60
500CHF 560.00CHF 559.30+ 0.70
1'000CHF 530.80CHF 530.20+ 0.60
1'500CHF 501.60CHF 501.00+ 0.60
2'000CHF 472.50CHF 471.80+ 0.70
2'500CHF 443.30CHF 442.70+ 0.60

Model by model

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

ModelSWICAEGK
HMO practiceCHF 485.90—
Family doctorCHF 494.50CHF 510.90
Other modelCHF 513.10CHF 491.10
Free choice of doctorCHF 571.60CHF 571.00

How they moved in this region

Against 2025, SWICA moves by + 3.1 % and EGK by + 4.0 % 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.