CSS or SWICA in Region 3 of canton Zurich?
In Region 3, SWICA is CHF 108.00 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 463.40 a month, CSS to CHF 472.40. The gap is CHF 108.00 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 427.80 a month. Moving there rather than to SWICA is worth CHF 427.20 more a year. Agrisano
Where they stand in the region
CSS ranks 18 and SWICA ranks 11, 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 559.00 | CHF 543.50 | + 15.50 |
| 500 | CHF 547.40 | CHF 531.90 | + 15.50 |
| 1'000 | CHF 518.20 | CHF 502.70 | + 15.50 |
| 1'500 | CHF 489.00 | CHF 473.50 | + 15.50 |
| 2'000 | CHF 459.90 | CHF 444.40 | + 15.50 |
| 2'500 | CHF 430.70 | CHF 415.20 | + 15.50 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | CSS | SWICA |
|---|---|---|
| Family doctor | CHF 472.40 | CHF 463.40 |
| Other model | CHF 505.90 | CHF 498.70 |
| Free choice of doctor | CHF 559.00 | CHF 543.50 |
| HMO practice | — | CHF 467.50 |
How they moved in this region
Against 2025, CSS moves by + 4.9 % and SWICA by + 5.7 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.