CSS or SWICA?
Basic benefits are identical at CSS and SWICA — the law requires it. Only the price differs, and it differs from canton to canton. Here is where each one wins.
CSS is cheaper in 26 of 42 premium regions.
On average, CSS costs CHF 56 less per year.
Adult, CHF 300 deductible, accident cover included. Each insurer’s lowest premium, across all models.
Region by region
| Canton | Region | CSS | SWICA | Monthly gap |
|---|---|---|---|---|
| Aargau | single | CHF 487.00 | CHF 503.80 | CHF -16.80 |
| Appenzell Innerrhoden | single | CHF 369.80 | CHF 387.20 | CHF -17.40 |
| Appenzell Ausserrhoden | single | CHF 475.20 | CHF 454.60 | +CHF 20.60 |
| Bern | 1 | CHF 577.10 | CHF 582.70 | CHF -5.60 |
| Bern | 2 | CHF 513.80 | CHF 512.40 | +CHF 1.40 |
| Bern | 3 | CHF 497.00 | CHF 485.90 | +CHF 11.10 |
| Basel-Landschaft | 1 | CHF 559.10 | CHF 570.10 | CHF -11.00 |
| Basel-Landschaft | 2 | CHF 522.90 | CHF 538.30 | CHF -15.40 |
| Basel-Stadt | single | CHF 575.90 | CHF 593.90 | CHF -18.00 |
| Fribourg | 1 | CHF 522.00 | CHF 513.10 | +CHF 8.90 |
| Fribourg | 2 | CHF 479.40 | CHF 480.90 | CHF -1.50 |
| Geneva | single | CHF 609.30 | CHF 632.10 | CHF -22.80 |
| Glarus | single | CHF 501.10 | CHF 447.10 | +CHF 54.00 |
| Grisons | 1 | CHF 473.90 | CHF 492.50 | CHF -18.60 |
| Grisons | 2 | CHF 449.70 | CHF 450.00 | CHF -0.30 |
| Grisons | 3 | CHF 427.60 | CHF 450.90 | CHF -23.30 |
| Jura | single | CHF 566.20 | CHF 615.60 | CHF -49.40 |
| Lucerne | 1 | CHF 473.80 | CHF 496.70 | CHF -22.90 |
| Lucerne | 2 | CHF 441.70 | CHF 476.60 | CHF -34.90 |
| Lucerne | 3 | CHF 438.60 | CHF 437.40 | +CHF 1.20 |
| Neuchâtel | single | CHF 594.20 | CHF 562.20 | +CHF 32.00 |
| Nidwalden | single | CHF 443.60 | CHF 413.40 | +CHF 30.20 |
| Obwalden | single | CHF 434.00 | CHF 420.70 | +CHF 13.30 |
| St. Gallen | 1 | CHF 491.90 | CHF 482.90 | +CHF 9.00 |
| St. Gallen | 2 | CHF 444.40 | CHF 450.10 | CHF -5.70 |
| St. Gallen | 3 | CHF 446.30 | CHF 431.30 | +CHF 15.00 |
| Schaffhausen | 1 | CHF 535.10 | CHF 511.00 | +CHF 24.10 |
| Schaffhausen | 2 | CHF 514.50 | CHF 470.30 | +CHF 44.20 |
| Solothurn | single | CHF 516.30 | CHF 538.60 | CHF -22.30 |
| Schwyz | single | CHF 445.50 | CHF 486.00 | CHF -40.50 |
| Thurgau | single | CHF 459.90 | CHF 468.80 | CHF -8.90 |
| Ticino | 1 | CHF 621.20 | CHF 669.50 | CHF -48.30 |
| Ticino | 2 | CHF 609.80 | CHF 645.80 | CHF -36.00 |
| Uri | single | CHF 400.80 | CHF 411.90 | CHF -11.10 |
| Vaud | 1 | CHF 575.90 | CHF 581.60 | CHF -5.70 |
| Vaud | 2 | CHF 554.40 | CHF 558.80 | CHF -4.40 |
| Valais | 1 | CHF 499.70 | CHF 493.80 | +CHF 5.90 |
| Valais | 2 | CHF 447.20 | CHF 448.40 | CHF -1.20 |
| Zug | single | CHF 361.70 | CHF 361.60 | +CHF 0.10 |
| Zurich | 1 | CHF 530.60 | CHF 553.70 | CHF -23.10 |
| Zurich | 2 | CHF 484.60 | CHF 497.10 | CHF -12.50 |
| Zurich | 3 | CHF 472.40 | CHF 463.40 | +CHF 9.00 |
A premium gap says nothing about service quality, reimbursement times or how easy it is to reach someone. Those things are not published, and we will not invent them.