Helsana or SWICA?
Basic benefits are identical at Helsana and SWICA — the law requires it. Only the price differs, and it differs from canton to canton. Here is where each one wins.
Helsana is cheaper in 23 of 42 premium regions.
On average, Helsana costs CHF 72 less per year.
Adult, CHF 300 deductible, accident cover included. Each insurer’s lowest premium, across all models.
Region by region
| Canton | Region | Helsana | SWICA | Monthly gap |
|---|---|---|---|---|
| Aargau | single | CHF 483.80 | CHF 503.80 | CHF -20.00 |
| Appenzell Innerrhoden | single | CHF 419.90 | CHF 387.20 | +CHF 32.70 |
| Appenzell Ausserrhoden | single | CHF 468.30 | CHF 454.60 | +CHF 13.70 |
| Bern | 1 | CHF 548.90 | CHF 582.70 | CHF -33.80 |
| Bern | 2 | CHF 508.30 | CHF 512.40 | CHF -4.10 |
| Bern | 3 | CHF 483.60 | CHF 485.90 | CHF -2.30 |
| Basel-Landschaft | 1 | CHF 572.00 | CHF 570.10 | +CHF 1.90 |
| Basel-Landschaft | 2 | CHF 531.20 | CHF 538.30 | CHF -7.10 |
| Basel-Stadt | single | CHF 581.40 | CHF 593.90 | CHF -12.50 |
| Fribourg | 1 | CHF 501.90 | CHF 513.10 | CHF -11.20 |
| Fribourg | 2 | CHF 477.70 | CHF 480.90 | CHF -3.20 |
| Geneva | single | CHF 613.70 | CHF 632.10 | CHF -18.40 |
| Glarus | single | CHF 466.10 | CHF 447.10 | +CHF 19.00 |
| Grisons | 1 | CHF 479.00 | CHF 492.50 | CHF -13.50 |
| Grisons | 2 | CHF 453.00 | CHF 450.00 | +CHF 3.00 |
| Grisons | 3 | CHF 441.80 | CHF 450.90 | CHF -9.10 |
| Jura | single | CHF 578.80 | CHF 615.60 | CHF -36.80 |
| Lucerne | 1 | CHF 472.00 | CHF 496.70 | CHF -24.70 |
| Lucerne | 2 | CHF 458.60 | CHF 476.60 | CHF -18.00 |
| Lucerne | 3 | CHF 450.20 | CHF 437.40 | +CHF 12.80 |
| Neuchâtel | single | CHF 568.40 | CHF 562.20 | +CHF 6.20 |
| Nidwalden | single | CHF 434.30 | CHF 413.40 | +CHF 20.90 |
| Obwalden | single | CHF 429.20 | CHF 420.70 | +CHF 8.50 |
| St. Gallen | 1 | CHF 483.60 | CHF 482.90 | +CHF 0.70 |
| St. Gallen | 2 | CHF 458.60 | CHF 450.10 | +CHF 8.50 |
| St. Gallen | 3 | CHF 441.80 | CHF 431.30 | +CHF 10.50 |
| Schaffhausen | 1 | CHF 486.30 | CHF 511.00 | CHF -24.70 |
| Schaffhausen | 2 | CHF 491.30 | CHF 470.30 | +CHF 21.00 |
| Solothurn | single | CHF 506.30 | CHF 538.60 | CHF -32.30 |
| Schwyz | single | CHF 462.40 | CHF 486.00 | CHF -23.60 |
| Thurgau | single | CHF 474.30 | CHF 468.80 | +CHF 5.50 |
| Ticino | 1 | CHF 629.10 | CHF 669.50 | CHF -40.40 |
| Ticino | 2 | CHF 565.80 | CHF 645.80 | CHF -80.00 |
| Uri | single | CHF 431.80 | CHF 411.90 | +CHF 19.90 |
| Vaud | 1 | CHF 580.10 | CHF 581.60 | CHF -1.50 |
| Vaud | 2 | CHF 560.10 | CHF 558.80 | +CHF 1.30 |
| Valais | 1 | CHF 498.10 | CHF 493.80 | +CHF 4.30 |
| Valais | 2 | CHF 440.30 | CHF 448.40 | CHF -8.10 |
| Zug | single | CHF 365.50 | CHF 361.60 | +CHF 3.90 |
| Zurich | 1 | CHF 533.60 | CHF 553.70 | CHF -20.10 |
| Zurich | 2 | CHF 493.80 | CHF 497.10 | CHF -3.30 |
| Zurich | 3 | CHF 464.80 | CHF 463.40 | +CHF 1.40 |
A premium gap says nothing about service quality, reimbursement times or how easy it is to reach someone. Those things are not published, and we will not invent them.