SWICA or Sanitas in Region 2 of canton Bern?
In Region 2, SWICA is CHF 394.80 a year cheaper than Sanitas 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, Sanitas to CHF 545.30. The gap is CHF 394.80 a year, 300-franc deductible, accident cover included.
What the question hides
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
Where they stand in the region
SWICA ranks 7 and Sanitas ranks 20, 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 613.60 | CHF 626.80 | − 13.20 |
| 500 | CHF 602.00 | CHF 615.20 | − 13.20 |
| 1'000 | CHF 572.80 | CHF 586.00 | − 13.20 |
| 1'500 | CHF 543.60 | CHF 556.80 | − 13.20 |
| 2'000 | CHF 514.50 | CHF 527.70 | − 13.20 |
| 2'500 | CHF 485.30 | CHF 498.50 | − 13.20 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | SWICA | Sanitas |
|---|---|---|
| Family doctor | CHF 512.40 | CHF 545.30 |
| HMO practice | CHF 521.60 | CHF 570.40 |
| Other model | CHF 550.80 | CHF 551.60 |
| Free choice of doctor | CHF 613.60 | CHF 626.80 |
How they moved in this region
Against 2025, SWICA moves by + 0.7 % and Sanitas by + 3.0 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.