SWICA or KPT in Region 2 of canton Bern?

In Region 2, SWICA is CHF 92.40 a year cheaper than KPT 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, KPT to CHF 520.10. The gap is CHF 92.40 a year, 300-franc deductible, accident cover included.

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

SWICA ranks 7 and KPT ranks 11, out of 26 active insurers in this region.

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 613.60	CHF 618.00	− 4.40
500	CHF 602.00	CHF 606.40	− 4.40
1'000	CHF 572.80	CHF 577.20	− 4.40
1'500	CHF 543.60	CHF 548.00	− 4.40
2'000	CHF 514.50	—	—
2'500	CHF 485.30	CHF 489.70	− 4.40

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

Against 2025, SWICA moves by + 0.7 % and KPT by + 4.8 % in this region.

Source: Federal Office of Public Health (FOPH), official premiums.