Helsana or SWICA in Region 1 of canton Basel-Landschaft?
In Region 1, SWICA is CHF 22.80 a year cheaper than Helsana 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 570.10 a month, Helsana to CHF 572.00. The gap is CHF 22.80 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Sanitas, at CHF 558.30 a month. Moving there rather than to SWICA is worth CHF 141.60 more a year. Sanitas
Where they stand in the region
Helsana ranks 7 and SWICA ranks 6, out of 23 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 | Helsana | SWICA | Gap |
|---|---|---|---|
| 300 | CHF 681.00 | CHF 674.60 | + 6.40 |
| 500 | CHF 669.40 | CHF 663.00 | + 6.40 |
| 1'000 | CHF 640.20 | CHF 633.80 | + 6.40 |
| 1'500 | CHF 611.00 | CHF 604.60 | + 6.40 |
| 2'000 | CHF 581.90 | CHF 575.50 | + 6.40 |
| 2'500 | CHF 552.70 | CHF 546.30 | + 6.40 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Helsana | SWICA |
|---|---|---|
| Other model | CHF 572.00 | CHF 612.20 |
| Family doctor | CHF 572.00 | CHF 570.10 |
| Free choice of doctor | CHF 681.00 | CHF 674.60 |
| HMO practice | — | CHF 573.50 |
How they moved in this region
Against 2025, Helsana moves by + 5.0 % and SWICA by + 3.5 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.