SWICA — Region 1, Bern: twelve years of premiums
Region 1, Bern: the lowest SWICA premium went from CHF 389.90 a month in 2015 to CHF 582.70 in 2026 — a rise of +49.5 %. The table below places it next to this region's cheapest insurer, year by year.
| Year | This insurer | The cheapest | Gap |
|---|---|---|---|
| 2015 | CHF 389.90 | CHF 354.00 | CHF 35.90 |
| 2016 | CHF 393.60 | CHF 366.40 | CHF 27.20 |
| 2017 | CHF 418.40 | CHF 390.70 | CHF 27.70 |
| 2018 | CHF 430.30 | CHF 401.60 | CHF 28.70 |
| 2019 | CHF 455.20 | CHF 437.20 | CHF 18.00 |
| 2020 | CHF 455.20 | CHF 443.70 | CHF 11.50 |
| 2021 | CHF 455.20 | CHF 437.60 | CHF 17.60 |
| 2022 | CHF 450.40 | CHF 441.00 | CHF 9.40 |
| 2023 | CHF 515.20 | CHF 462.40 | CHF 52.80 |
| 2024 | CHF 575.60 | CHF 504.10 | CHF 71.50 |
| 2025 | CHF 565.30 | CHF 519.80 | CHF 45.50 |
| 2026 | CHF 582.70 | CHF 540.10 | CHF 42.60 |
Faster or slower than the rest?
SWICA rose +49.5 % over the period, against +52.6 % for the cheapest insurer in the same place. The gap narrowed — which does not mean this insurer is the cheapest today, only that it climbed more slowly.
The year that hurt — The steepest year-on-year jump was 2023: +14.4 % 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.
SWICA, canton by canton
Other insurers
Source: Federal Office of Public Health (FOPH), premium files from 2015 to today.