CSS or SWICA in Region 1 of canton Schaffhausen?
In Region 1, SWICA is CHF 289.20 a year cheaper than CSS for an adult on the same profile. Here is the detail — and what a third insurer would do.
The verdict, in this region
SWICA comes down to CHF 511.00 a month, CSS to CHF 535.10. The gap is CHF 289.20 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is ÖKK, at CHF 480.30 a month. Moving there rather than to SWICA is worth CHF 368.40 more a year. ÖKK
Where they stand in the region
CSS ranks 18 and SWICA ranks 11, out of 23 active insurers in this region.
Deductible by deductible
With free choice of doctor, the one model every insurer offers — and therefore the only one where a row-by-row comparison compares the same thing.
| Deductible | CSS | SWICA | Gap |
|---|---|---|---|
| 300 | CHF 615.00 | CHF 601.10 | + 13.90 |
| 500 | CHF 603.40 | CHF 589.50 | + 13.90 |
| 1'000 | CHF 574.20 | CHF 560.30 | + 13.90 |
| 1'500 | CHF 545.00 | CHF 531.10 | + 13.90 |
| 2'000 | CHF 515.90 | CHF 502.00 | + 13.90 |
| 2'500 | CHF 486.70 | CHF 472.80 | + 13.90 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | CSS | SWICA |
|---|---|---|
| Family doctor | CHF 535.10 | CHF 511.00 |
| Other model | CHF 550.40 | CHF 565.10 |
| Free choice of doctor | CHF 615.00 | CHF 601.10 |
| HMO practice | — | CHF 514.00 |
How they moved in this region
Against 2025, CSS moves by + 8.1 % and SWICA by + 7.8 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.