SWICA or Mutuel in Region 3 of canton Bern?

In Region 3, SWICA is CHF 517.20 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 485.90 a month, Mutuel to CHF 529.00. The gap is CHF 517.20 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 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 571.60	CHF 604.60	− 33.00
500	CHF 560.00	CHF 593.10	− 33.10
1'000	CHF 530.80	CHF 564.10	− 33.30
1'500	CHF 501.60	CHF 534.60	− 33.00
2'000	CHF 472.50	CHF 505.60	− 33.10
2'500	CHF 443.30	CHF 476.60	− 33.30

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

Against 2025, SWICA moves by + 3.1 % and Mutuel by + 3.7 % in this region.

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