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CSS or SWICA in Region 1 of canton Zurich?

In Region 1, CSS is CHF 277.20 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 530.60 a month, SWICA to CHF 553.70. The gap is CHF 277.20 a year, 300-franc deductible, accident cover included.

What the question hides

Neither is the cheapest here: that is Atupri, at CHF 517.70 a month. Moving there rather than to CSS is worth CHF 154.80 more a year. Atupri

Where they stand in the region

CSS ranks 4 and SWICA ranks 12, out of 27 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.

DeductibleCSSSWICAGap
300CHF 651.00CHF 653.30− 2.30
500CHF 639.40CHF 641.70− 2.30
1'000CHF 610.20CHF 612.50− 2.30
1'500CHF 581.00CHF 583.30− 2.30
2'000CHF 551.90CHF 554.20− 2.30
2'500CHF 522.70CHF 525.00− 2.30

Model by model

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

ModelCSSSWICA
Family doctorCHF 530.60CHF 553.70
Other modelCHF 592.40CHF 589.70
Free choice of doctorCHF 651.00CHF 653.30
HMO practice—CHF 553.70

How they moved in this region

Against 2025, CSS moves by + 0.4 % and SWICA by + 5.0 % in this region.

CSS, SWICA, or another?

The comparator works out your actual premium across all 34 insurers at once, from your age, deductible and municipality.

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