SWICA or KPT in Region 3 of canton Bern?

In Region 3, SWICA is CHF 26.40 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 485.90 a month, KPT to CHF 488.10. The gap is CHF 26.40 a year, 300-franc deductible, accident cover included.

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

SWICA ranks 6 and KPT ranks 8, 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 571.60	CHF 578.00	− 6.40
500	CHF 560.00	CHF 566.40	− 6.40
1'000	CHF 530.80	CHF 537.20	− 6.40
1'500	CHF 501.60	CHF 508.00	− 6.40
2'000	CHF 472.50	—	—
2'500	CHF 443.30	CHF 449.70	− 6.40

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

Against 2025, SWICA moves by + 3.1 % and KPT by + 3.3 % in this region.

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