CSS or SWICA in Region 1 of canton Ticino?

In Region 1, CSS is CHF 579.60 a year cheaper than SWICA for an adult on the same profile. Here is the detail — and what a third insurer would do.

The verdict, in this region

CSS comes down to CHF 621.20 a month, SWICA to CHF 669.50. The gap is CHF 579.60 a year, 300-franc deductible, accident cover included.

Neither is the cheapest here: that is Agrisano, at CHF 583.90 a month. Moving there rather than to CSS is worth CHF 447.60 more a year. Agrisano

CSS ranks 7 and SWICA ranks 16, out of 21 active insurers in this region.

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 744.00	CHF 826.50	− 82.50
500	CHF 732.40	CHF 814.90	− 82.50
1'000	CHF 703.20	CHF 785.70	− 82.50
1'500	CHF 674.00	CHF 756.50	− 82.50
2'000	CHF 644.90	CHF 727.40	− 82.50
2'500	CHF 615.70	CHF 698.20	− 82.50

Each insurer’s lowest rate in each model type, 300-franc deductible.

Against 2025, CSS moves by + 5.0 % and SWICA by + 7.5 % in this region.

Source: Federal Office of Public Health (FOPH), official premiums.