SWICA in canton Bern: twelve years of premiums
In canton Bern, the lowest SWICA premium went from CHF 316.10 a month in 2015 to CHF 485.90 in 2026 — a rise of +53.7 %. The table below places it next to the canton's cheapest insurer, year by year.
| Year | This insurer | The cheapest | Gap |
|---|---|---|---|
| 2015 | CHF 316.10 | CHF 298.10 | CHF 18.00 |
| 2016 | CHF 320.00 | CHF 319.60 | CHF 0.40 |
| 2017 | CHF 340.80 | CHF 334.70 | CHF 6.10 |
| 2018 | CHF 350.90 | CHF 343.80 | CHF 7.10 |
| 2019 | CHF 371.20 | CHF 363.50 | CHF 7.70 |
| 2020 | CHF 371.20 | CHF 371.20 | — |
| 2021 | CHF 371.20 | CHF 368.50 | CHF 2.70 |
| 2022 | CHF 370.90 | CHF 369.00 | CHF 1.90 |
| 2023 | CHF 420.00 | CHF 376.00 | CHF 44.00 |
| 2024 | CHF 469.30 | CHF 403.20 | CHF 66.10 |
| 2025 | CHF 471.40 | CHF 421.30 | CHF 50.10 |
| 2026 | CHF 485.90 | CHF 447.50 | CHF 38.40 |
Faster or slower than the rest?
SWICA rose +53.7 % over the period, against +50.1 % for the cheapest insurer in the same place. The gap widened: staying put cost a little more every year.
The year that hurt — The steepest year-on-year jump was 2023: +13.2 % in one go. The premium did not move in 2020, 2021.
Figures for an adult, CHF 300 deductible, accident cover included — the only profile defined identically across all twelve years. Each year this is the lowest premium the insurer offered, all models combined.
Bern, canton by canton
SWICA, canton by canton
Other insurers
Source: Federal Office of Public Health (FOPH), premium files from 2015 to today.