CSS or SWICA in Region 2 of canton Zurich?
In Region 2, CSS is CHF 150.00 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 484.60 a month, SWICA to CHF 497.10. The gap is CHF 150.00 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 467.90 a month. Moving there rather than to CSS is worth CHF 200.40 more a year. Agrisano
Where they stand in the region
CSS ranks 5 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.
| Deductible | CSS | SWICA | Gap |
|---|---|---|---|
| 300 | CHF 591.00 | CHF 583.10 | + 7.90 |
| 500 | CHF 579.40 | CHF 571.50 | + 7.90 |
| 1'000 | CHF 550.20 | CHF 542.30 | + 7.90 |
| 1'500 | CHF 521.00 | CHF 513.10 | + 7.90 |
| 2'000 | CHF 491.90 | CHF 484.00 | + 7.90 |
| 2'500 | CHF 462.70 | CHF 454.80 | + 7.90 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | CSS | SWICA |
|---|---|---|
| Family doctor | CHF 484.60 | CHF 497.10 |
| Other model | CHF 537.80 | CHF 535.00 |
| Free choice of doctor | CHF 591.00 | CHF 583.10 |
| HMO practice | — | CHF 501.50 |
How they moved in this region
Against 2025, CSS moves by + 0.5 % and SWICA by + 5.0 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.