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SWICA or Visana in Region 3 of canton Bern?

In Region 3, Visana is CHF 244.80 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

Visana comes down to CHF 465.50 a month, SWICA to CHF 485.90. The gap is CHF 244.80 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 Visana is worth CHF 216.00 more a year. Agrisano

Where they stand in the region

SWICA ranks 6 and Visana ranks 2, 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.

DeductibleSWICAVisanaGap
300CHF 571.60CHF 542.50+ 29.10
500CHF 560.00CHF 535.80+ 24.20
1'000CHF 530.80CHF 501.70+ 29.10
1'500CHF 501.60CHF 472.50+ 29.10
2'000CHF 472.50CHF 443.30+ 29.20
2'500CHF 443.30CHF 414.20+ 29.10

Model by model

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

ModelSWICAVisana
HMO practiceCHF 485.90CHF 465.50
Family doctorCHF 494.50CHF 487.20
Other modelCHF 513.10CHF 473.70
Free choice of doctorCHF 571.60CHF 542.50

How they moved in this region

Against 2025, SWICA moves by + 3.1 % and Visana by + 3.0 % in this region.

SWICA, Visana, 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.