SWICA — Region 1 of canton Bern, 2026 premiums
SWICA covers the 15 municipalities of Region 1 in canton Bern. Its lowest adult premium here is CHF 422.50 a month, with a 300-franc deductible and accident cover included.
Where it stands in this region
SWICA ranks 10 out of 26 active insurers in Region 1, cheapest to dearest.
The regional average across insurers is CHF 593.80 a month.
What staying costs
Moving from SWICA to Visana, the cheapest insurer in this region, saves CHF 511.20 a year for an adult on the same profile.
The full SWICA table
280 official rates for this region. Each cell gives the lowest price for that model at that deductible, accident cover included.
Adults From age 26.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 693.60 | CHF 593.10 | CHF 582.70 | CHF 622.60 |
| 500 | CHF 682.00 | CHF 581.40 | CHF 571.00 | CHF 610.90 |
| 1'000 | CHF 652.80 | CHF 559.20 | CHF 548.80 | CHF 588.70 |
| 1'500 | CHF 623.60 | CHF 530.00 | CHF 519.60 | CHF 559.50 |
| 2'000 | CHF 594.50 | CHF 493.90 | CHF 483.50 | CHF 530.30 |
| 2'500 | CHF 565.30 | CHF 464.70 | CHF 454.30 | CHF 501.20 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 520.20 | CHF 455.20 | CHF 457.80 | CHF 482.50 |
| 500 | CHF 508.60 | CHF 443.60 | CHF 446.20 | CHF 470.90 |
| 1'000 | CHF 479.40 | CHF 419.60 | CHF 430.00 | CHF 441.70 |
| 1'500 | CHF 450.20 | CHF 390.40 | CHF 400.80 | CHF 412.50 |
| 2'000 | CHF 421.10 | CHF 356.10 | CHF 361.30 | CHF 383.40 |
| 2'500 | CHF 391.90 | CHF 326.90 | CHF 332.10 | CHF 354.20 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 0 | CHF 69.40 | CHF 62.90 | CHF 66.00 | CHF 69.40 |
| 200 | CHF 57.80 | CHF 52.60 | CHF 55.70 | CHF 57.80 |
| 400 | CHF 46.10 | CHF 40.90 | CHF 44.00 | CHF 46.10 |
| 600 | CHF 37.40 | CHF 37.40 | CHF 37.40 | CHF 37.40 |
With or without accident cover
With accident cover: CHF 693.60 a month. Without: CHF 645.10. Dropping it saves CHF 582.00 a year — but only if your employer already insures accidents, which requires at least eight hours of work a week.
Every other figure on this page includes accident cover.
Compared with last year
In this region the insurer’s lowest premium goes from CHF 565.30 in 2025 to CHF 422.50 — a rise of 3.1 %.
The 15 municipalities in this region
They all pay exactly the same rate: under basic insurance the premium belongs to Region 1 of canton Bern, not to the municipality.
Bern · Biel/Bienne · Bolligen · Bremgarten bei Bern · Evilard · Ittigen · Kirchlindach · Köniz · Muri bei Bern · Oberbalm · Ostermundigen · Stettlen · Vechigen · Wohlen bei Bern · Zollikofen
The other insurers in Region 1
26 insurers offer premiums in this region. Lowest adult premium, 300-franc deductible, accident cover included.
| Insurer | From | |
|---|---|---|
| Visana | CHF 540.10 | View |
| Vivao Sympany | CHF 545.90 | View |
| Atupri | CHF 548.90 | View |
| Helsana | CHF 548.90 | View |
| Sanitas | CHF 552.30 | View |
| sana24 | CHF 571.80 | View |
| CSS | CHF 577.10 | View |
| KPT | CHF 578.10 | View |
| Steffisburg | CHF 581.10 | View |
| ÖKK | CHF 585.20 | View |
| Sumiswalder | CHF 586.50 | View |
| Assura-Basis | CHF 589.50 | View |
| CONCORDIA | CHF 590.80 | View |
| sodalis | CHF 598.20 | View |
| Mutuel | CHF 601.20 | View |
| EGK | CHF 603.40 | View |
| Avenir | CHF 606.70 | View |
| SLKK | CHF 607.70 | View |
| Philos | CHF 609.30 | View |
| Agrisano | CHF 611.30 | View |
| Aquilana | CHF 612.70 | View |
| Galenos | CHF 630.20 | View |
| Luzerner Hinterland | CHF 634.95 | View |
| vita surselva | CHF 646.00 | View |
| rhenusana | CHF 698.20 | View |
Source: Federal Office of Public Health (FOPH), official premiums.