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SWICA or ÖKK in Region 1 of canton Bern?

In Region 1, SWICA is CHF 30.00 a year cheaper than ÖKK 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, ÖKK to CHF 585.20. The gap is CHF 30.00 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 ÖKK ranks 11, 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.

DeductibleSWICAÖKKGap
300CHF 693.60CHF 665.00+ 28.60
500CHF 682.00CHF 653.40+ 28.60
1'000CHF 652.80CHF 624.20+ 28.60
1'500CHF 623.60CHF 595.00+ 28.60
2'000CHF 594.50CHF 565.90+ 28.60
2'500CHF 565.30CHF 536.70+ 28.60

Model by model

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

ModelSWICAÖKK
HMO practiceCHF 582.70CHF 585.20
Family doctorCHF 593.10CHF 598.50
Other modelCHF 622.60CHF 598.50
Free choice of doctorCHF 693.60CHF 665.00

How they moved in this region

Against 2025, SWICA moves by + 3.1 % and ÖKK by + 4.7 % in this region.

SWICA, ÖKK, or another?

The comparator works out your actual premium across all 34 insurers at once, from your age, deductible and municipality.

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