SWICA or KPT in Region 1 of canton Bern?
In Region 1, KPT is CHF 55.20 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
KPT comes down to CHF 578.10 a month, SWICA to CHF 582.70. The gap is CHF 55.20 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 KPT is worth CHF 456.00 more a year. Visana
Where they stand in the region
SWICA ranks 10 and KPT ranks 8, 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.
| Deductible | SWICA | KPT | Gap |
|---|---|---|---|
| 300 | CHF 693.60 | CHF 690.60 | + 3.00 |
| 500 | CHF 682.00 | CHF 679.00 | + 3.00 |
| 1'000 | CHF 652.80 | CHF 649.80 | + 3.00 |
| 1'500 | CHF 623.60 | CHF 620.60 | + 3.00 |
| 2'000 | CHF 594.50 | — | — |
| 2'500 | CHF 565.30 | CHF 562.30 | + 3.00 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | SWICA | KPT |
|---|---|---|
| HMO practice | CHF 582.70 | CHF 595.00 |
| Family doctor | CHF 593.10 | CHF 583.80 |
| Other model | CHF 622.60 | CHF 578.10 |
| Free choice of doctor | CHF 693.60 | CHF 690.60 |
How they moved in this region
Against 2025, SWICA moves by + 3.1 % and KPT by + 4.4 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.