SWICA or Mutuel in Region 1 of canton Bern?
In Region 1, SWICA is CHF 222.00 a year cheaper than Mutuel 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 582.70 a month, Mutuel to CHF 601.20. The gap is CHF 222.00 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 SWICA is worth CHF 511.20 more a year. Visana
Where they stand in the region
SWICA ranks 10 and Mutuel ranks 16, 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 | Mutuel | Gap |
|---|---|---|---|
| 300 | CHF 693.60 | CHF 687.00 | + 6.60 |
| 500 | CHF 682.00 | CHF 675.50 | + 6.50 |
| 1'000 | CHF 652.80 | CHF 646.50 | + 6.30 |
| 1'500 | CHF 623.60 | CHF 617.00 | + 6.60 |
| 2'000 | CHF 594.50 | CHF 588.00 | + 6.50 |
| 2'500 | CHF 565.30 | CHF 559.00 | + 6.30 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | SWICA | Mutuel |
|---|---|---|
| HMO practice | CHF 582.70 | CHF 604.60 |
| Family doctor | CHF 593.10 | CHF 625.20 |
| Other model | CHF 622.60 | CHF 601.20 |
| Free choice of doctor | CHF 693.60 | CHF 687.00 |
How they moved in this region
Against 2025, SWICA moves by + 3.1 % and Mutuel by + 3.7 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.