SWICA — Region 3 of canton Bern, 2026 premiums
SWICA covers the 107 municipalities of Region 3 in canton Bern. Its lowest adult premium here is CHF 332.50 a month, with a 300-franc deductible and accident cover included.
Where it stands in this region
SWICA ranks 6 out of 26 active insurers in Region 3, cheapest to dearest.
The regional average across insurers is CHF 501.58 a month.
What staying costs
Moving from SWICA to Agrisano, the cheapest insurer in this region, saves CHF 460.80 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 571.60 | CHF 494.50 | CHF 485.90 | CHF 513.10 |
| 500 | CHF 560.00 | CHF 482.80 | CHF 474.20 | CHF 501.40 |
| 1'000 | CHF 530.80 | CHF 459.40 | CHF 450.80 | CHF 477.90 |
| 1'500 | CHF 501.60 | CHF 430.20 | CHF 421.60 | CHF 448.80 |
| 2'000 | CHF 472.50 | CHF 395.30 | CHF 386.70 | CHF 419.60 |
| 2'500 | CHF 443.30 | CHF 366.20 | CHF 357.60 | CHF 390.40 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 428.70 | CHF 379.40 | CHF 381.60 | CHF 397.70 |
| 500 | CHF 417.10 | CHF 367.80 | CHF 369.90 | CHF 386.00 |
| 1'000 | CHF 387.90 | CHF 342.90 | CHF 351.50 | CHF 356.80 |
| 1'500 | CHF 358.70 | CHF 313.70 | CHF 322.30 | CHF 327.70 |
| 2'000 | CHF 329.60 | CHF 280.30 | CHF 284.60 | CHF 298.50 |
| 2'500 | CHF 300.40 | CHF 251.10 | CHF 255.40 | CHF 269.30 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 0 | CHF 57.20 | CHF 52.40 | CHF 55.00 | CHF 57.20 |
| 200 | CHF 45.80 | CHF 42.80 | CHF 44.90 | CHF 45.80 |
| 400 | CHF 34.40 | CHF 32.10 | CHF 33.70 | CHF 34.40 |
| 600 | CHF 30.80 | CHF 30.80 | CHF 30.80 | CHF 30.80 |
With or without accident cover
With accident cover: CHF 571.60 a month. Without: CHF 531.60. Dropping it saves CHF 480.00 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 471.40 in 2025 to CHF 332.50 — a rise of 3.1 %.
The 107 municipalities in this region
They all pay exactly the same rate: under basic insurance the premium belongs to Region 3 of canton Bern, not to the municipality.
Aarwangen · Adelboden · Aeschi bei Spiez · Affoltern im Emmental · Attiswil · Auswil · Bannwil · Beatenberg · Berken · Bettenhausen · Bleienbach · Boltigen · Brienz (BE) · Brienzwiler · Busswil bei Melchnau · Bönigen · Diemtigen · Därligen · Därstetten · Dürrenroth · Eggiwil · Eriswil · Erlenbach im Simmental · Farnern · Frutigen · Gondiswil · Graben · Grindelwald · Gsteig · Gsteigwiler · Guttannen · Gündlischwand · Habkern · Hasliberg · Heimenhausen · Herzogenbuchsee · Hofstetten bei Brienz · Huttwil · Inkwil · Innertkirchen · Interlaken · Iseltwald · Kandergrund · Kandersteg · Krattigen · Langenthal · Langnau im Emmental · Lauenen · Lauperswil · Lauterbrunnen · Leissigen · Lenk · Lotzwil · Lütschental · Lützelflüh · Madiswil · Matten bei Interlaken · Meiringen · Melchnau · Niederbipp · Niederried bei Interlaken · Niederönz · Oberbipp · Oberried am Brienzersee · Oberwil im Simmental · Ochlenberg · Oeschenbach · Reichenbach im Kandertal · Reisiswil · Ringgenberg (BE) · Roggwil (BE) · Rohrbach · Rohrbachgraben · Rumisberg · Röthenbach im Emmental · Rüderswil · Rüegsau · Rütschelen · Saanen · Saxeten · Schangnau · Schattenhalb · Schwanden bei Brienz · Schwarzhäusern · Seeberg · Signau · Spiez · St. Stephan · Stocken-Höfen · Sumiswald · Thunstetten · Thörigen · Trachselwald · Trub · Trubschachen · Unterseen · Ursenbach · Walliswil bei Niederbipp · Walliswil bei Wangen · Walterswil (BE) · Wangen an der Aare · Wiedlisbach · Wilderswil · Wimmis · Wynau · Wyssachen · Zweisimmen
The other insurers in Region 3
26 insurers offer premiums in this region. Lowest adult premium, 300-franc deductible, accident cover included.
| Insurer | From | |
|---|---|---|
| Agrisano | CHF 447.50 | View |
| Visana | CHF 465.50 | View |
| ÖKK | CHF 477.00 | View |
| Sumiswalder | CHF 481.30 | View |
| Helsana | CHF 483.60 | View |
| sana24 | CHF 487.80 | View |
| KPT | CHF 488.10 | View |
| Aquilana | CHF 491.00 | View |
| EGK | CHF 491.10 | View |
| Sanitas | CHF 495.45 | View |
| CONCORDIA | CHF 495.60 | View |
| Luzerner Hinterland | CHF 496.85 | View |
| CSS | CHF 497.00 | View |
| sodalis | CHF 498.00 | View |
| SLKK | CHF 498.30 | View |
| Assura-Basis | CHF 502.30 | View |
| Steffisburg | CHF 506.60 | View |
| Galenos | CHF 507.20 | View |
| Avenir | CHF 509.60 | View |
| Atupri | CHF 510.70 | View |
| Vivao Sympany | CHF 513.10 | View |
| Mutuel | CHF 529.00 | View |
| Philos | CHF 536.20 | View |
| vita surselva | CHF 563.35 | View |
| rhenusana | CHF 583.10 | View |
Source: Federal Office of Public Health (FOPH), official premiums.