SWICA or Sanitas in Region 1 of canton Bern?
In Region 1, Sanitas is CHF 364.80 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
Sanitas comes down to CHF 552.30 a month, SWICA to CHF 582.70. The gap is CHF 364.80 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 Sanitas is worth CHF 146.40 more a year. Visana
Where they stand in the region
SWICA ranks 10 and Sanitas ranks 5, 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 | Sanitas | Gap |
|---|---|---|---|
| 300 | CHF 693.60 | CHF 634.80 | + 58.80 |
| 500 | CHF 682.00 | CHF 623.20 | + 58.80 |
| 1'000 | CHF 652.80 | CHF 594.00 | + 58.80 |
| 1'500 | CHF 623.60 | CHF 564.80 | + 58.80 |
| 2'000 | CHF 594.50 | CHF 535.70 | + 58.80 |
| 2'500 | CHF 565.30 | CHF 506.50 | + 58.80 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | SWICA | Sanitas |
|---|---|---|
| HMO practice | CHF 582.70 | CHF 577.70 |
| Family doctor | CHF 593.10 | CHF 552.30 |
| Other model | CHF 622.60 | CHF 571.40 |
| Free choice of doctor | CHF 693.60 | CHF 634.80 |
How they moved in this region
Against 2025, SWICA moves by + 3.1 % and Sanitas by + 3.5 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.