SWICA or Mutuel in Region 2 of canton Bern?

In Region 2, SWICA is CHF 488.40 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 512.40 a month, Mutuel to CHF 553.10. The gap is CHF 488.40 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 Mutuel ranks 23, 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	Mutuel	Gap
300	CHF 613.60	CHF 632.10	− 18.50
500	CHF 602.00	CHF 620.60	− 18.60
1'000	CHF 572.80	CHF 591.60	− 18.80
1'500	CHF 543.60	CHF 562.10	− 18.50
2'000	CHF 514.50	CHF 533.10	− 18.60
2'500	CHF 485.30	CHF 504.10	− 18.80

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

Against 2025, SWICA moves by + 0.7 % and Mutuel by + 3.7 % in this region.

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