CSS or SWICA in Region 2 of canton Ticino?

In Region 2, CSS is CHF 432.00 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 609.80 a month, SWICA to CHF 645.80. The gap is CHF 432.00 a year, 300-franc deductible, accident cover included.

Neither is the cheapest here: that is Agrisano, at CHF 539.00 a month. Moving there rather than to CSS is worth CHF 849.60 more a year. Agrisano

CSS ranks 13 and SWICA ranks 17, 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 705.00	CHF 797.20	− 92.20
500	CHF 693.40	CHF 785.60	− 92.20
1'000	CHF 664.20	CHF 756.40	− 92.20
1'500	CHF 635.00	CHF 727.20	− 92.20
2'000	CHF 605.90	CHF 698.10	− 92.20
2'500	CHF 576.70	CHF 668.90	− 92.20

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

Against 2025, CSS moves by + 7.7 % and SWICA by + 7.5 % in this region.

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