SWICA FAVORIT SANTE — Region 3, Bern
Region 3, Bern: the FAVORIT SANTE model from SWICA costs CHF 485.90 a month for an adult with a CHF 300 deductible and accident cover, in 2026. The table below gives the whole grid: every age band, every deductible, with and without accident cover.
At CHF 485.90, FAVORIT SANTE is not the lowest premium here: Agrisano goes down to CHF 447.50. A named model does not guarantee the best price — it guarantees a care pathway.
On average, FAVORIT SANTE costs CHF 1'028.40 less per year than SWICA's basic insurance in the same place, for exactly the same cover defined by law. In exchange, you accept the model's care pathway.
The full grid
Adult (26 and over)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 485.90 | CHF 451.90 |
| 500 | CHF 474.20 | CHF 441.00 |
| 1'000 | CHF 450.80 | CHF 419.20 |
| 1'500 | CHF 421.60 | CHF 392.10 |
| 2'000 | CHF 386.70 | CHF 359.70 |
| 2'500 | CHF 357.60 | CHF 332.50 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 381.60 | CHF 354.90 |
| 500 | CHF 369.90 | CHF 344.00 |
| 1'000 | CHF 351.50 | CHF 326.90 |
| 1'500 | CHF 322.30 | CHF 299.80 |
| 2'000 | CHF 284.60 | CHF 264.70 |
| 2'500 | CHF 255.40 | CHF 237.50 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 131.80 | CHF 122.50 |
| 200 | CHF 122.80 | CHF 114.20 |
| 400 | CHF 111.20 | CHF 103.40 |
| 600 | CHF 99.50 | CHF 92.50 |
The price, region by region
- Aargau
- Appenzell Innerrhoden
- Appenzell Ausserrhoden
- Bern — Region 1
- Bern — Region 2
- Basel-Landschaft — Region 1
- Basel-Landschaft — Region 2
- Basel-Stadt
- Fribourg — Region 1
- Fribourg — Region 2
- Geneva
- Lucerne — Region 1
- Lucerne — Region 2
- Lucerne — Region 3
- Neuchâtel
- Nidwalden
- Obwalden
- St. Gallen — Region 1
- St. Gallen — Region 2
- St. Gallen — Region 3
- Schaffhausen — Region 1
- Schaffhausen — Region 2
- Solothurn
- Schwyz
- Thurgau
- Ticino — Region 1
- Ticino — Region 2
- Uri
- Vaud — Region 1
- Vaud — Region 2
An alternative model commits you to a care pathway: check the conditions with the insurer before signing. This page gives a price, not advice.
Source: Federal Office of Public Health (FOPH), official premiums and territorial coverage areas.