SWICA — Region 2, Bern: twelve years of premiums
Region 2, Bern: the lowest SWICA premium went from CHF 338.90 a month in 2015 to CHF 512.40 in 2026 — a rise of +51.2 %. The table below places it next to this region's cheapest insurer, year by year.
| Year | This insurer | The cheapest | Gap |
|---|---|---|---|
| 2015 | CHF 338.90 | CHF 318.80 | CHF 20.10 |
| 2016 | CHF 340.80 | CHF 336.40 | CHF 4.40 |
| 2017 | CHF 362.40 | CHF 361.90 | CHF 0.50 |
| 2018 | CHF 374.00 | CHF 374.00 | — |
| 2019 | CHF 396.00 | CHF 387.10 | CHF 8.90 |
| 2020 | CHF 396.00 | CHF 396.00 | — |
| 2021 | CHF 396.00 | CHF 396.00 | — |
| 2022 | CHF 395.60 | CHF 395.60 | — |
| 2023 | CHF 445.20 | CHF 410.00 | CHF 35.20 |
| 2024 | CHF 491.40 | CHF 447.80 | CHF 43.60 |
| 2025 | CHF 509.00 | CHF 462.70 | CHF 46.30 |
| 2026 | CHF 512.40 | CHF 493.60 | CHF 18.80 |
Faster or slower than the rest?
SWICA rose +51.2 % over the period, against +54.8 % 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: +12.5 % 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.