SWICA or Sanitas in Region 3 of canton Bern?
In Region 3, SWICA is CHF 114.60 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 485.90 a month, Sanitas to CHF 495.45. The gap is CHF 114.60 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 SWICA is worth CHF 460.80 more a year. Agrisano
Where they stand in the region
SWICA ranks 6 and Sanitas 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.
| Deductible | SWICA | Sanitas | Gap |
|---|---|---|---|
| 300 | CHF 571.60 | CHF 569.50 | + 2.10 |
| 500 | CHF 560.00 | CHF 557.90 | + 2.10 |
| 1'000 | CHF 530.80 | CHF 528.70 | + 2.10 |
| 1'500 | CHF 501.60 | CHF 499.50 | + 2.10 |
| 2'000 | CHF 472.50 | CHF 470.40 | + 2.10 |
| 2'500 | CHF 443.30 | CHF 441.20 | + 2.10 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | SWICA | Sanitas |
|---|---|---|
| HMO practice | CHF 485.90 | CHF 518.30 |
| Family doctor | CHF 494.50 | CHF 495.45 |
| Other model | CHF 513.10 | CHF 512.60 |
| Free choice of doctor | CHF 571.60 | CHF 569.50 |
How they moved in this region
Against 2025, SWICA moves by + 3.1 % and Sanitas by + 2.0 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.