CSS or SWICA in Region 2 of canton Schaffhausen?
In Region 2, SWICA is CHF 530.40 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 470.30 a month, CSS to CHF 514.50. The gap is CHF 530.40 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 433.80 a month. Moving there rather than to SWICA is worth CHF 438.00 more a year. Agrisano
Where they stand in the region
CSS ranks 19 and SWICA ranks 8, 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 588.00 | CHF 553.20 | + 34.80 |
| 500 | CHF 576.40 | CHF 541.60 | + 34.80 |
| 1'000 | CHF 547.20 | CHF 512.40 | + 34.80 |
| 1'500 | CHF 518.00 | CHF 483.20 | + 34.80 |
| 2'000 | CHF 488.90 | CHF 454.10 | + 34.80 |
| 2'500 | CHF 459.70 | CHF 424.90 | + 34.80 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | CSS | SWICA |
|---|---|---|
| Family doctor | CHF 514.50 | CHF 470.30 |
| Other model | CHF 523.30 | CHF 520.10 |
| Free choice of doctor | CHF 588.00 | CHF 553.20 |
| HMO practice | — | CHF 473.00 |
How they moved in this region
Against 2025, CSS moves by + 9.2 % and SWICA by + 7.8 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.