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SWICA or ÖKK in Region 3 of canton Bern?

In Region 3, ÖKK is CHF 106.80 a year cheaper than SWICA for an adult on the same profile. Here is the detail — and what a third insurer would do.

The verdict, in this region

ÖKK comes down to CHF 477.00 a month, SWICA to CHF 485.90. The gap is CHF 106.80 a year, 300-franc deductible, accident cover included.

What the question hides

Neither is the cheapest here: that is Agrisano, at CHF 447.50 a month. Moving there rather than to ÖKK is worth CHF 354.00 more a year. Agrisano

Where they stand in the region

SWICA ranks 6 and ÖKK ranks 3, 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 571.60CHF 542.00+ 29.60
500CHF 560.00CHF 530.40+ 29.60
1'000CHF 530.80CHF 501.20+ 29.60
1'500CHF 501.60CHF 472.00+ 29.60
2'000CHF 472.50CHF 442.90+ 29.60
2'500CHF 443.30CHF 413.70+ 29.60

Model by model

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

ModelSWICAÖKK
HMO practiceCHF 485.90CHF 477.00
Family doctorCHF 494.50CHF 487.80
Other modelCHF 513.10CHF 487.80
Free choice of doctorCHF 571.60CHF 542.00

How they moved in this region

Against 2025, SWICA moves by + 3.1 % and ÖKK by + 5.6 % 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.