Helsana or SWICA in Region 1 of canton Schaffhausen?

In Region 1, Helsana is CHF 296.40 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

Helsana comes down to CHF 486.30 a month, SWICA to CHF 511.00. The gap is CHF 296.40 a year, 300-franc deductible, accident cover included.

What the question hides

Neither is the cheapest here: that is ÖKK, at CHF 480.30 a month. Moving there rather than to Helsana is worth CHF 72.00 more a year. ÖKK

Where they stand in the region

Helsana ranks 2 and SWICA ranks 11, 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 559.00	CHF 601.10	− 42.10
500	CHF 547.40	CHF 589.50	− 42.10
1'000	CHF 518.20	CHF 560.30	− 42.10
1'500	CHF 489.00	CHF 531.10	− 42.10
2'000	CHF 459.90	CHF 502.00	− 42.10
2'500	CHF 430.70	CHF 472.80	− 42.10

Model by model

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

Model	Helsana	SWICA
Family doctor	CHF 486.30	CHF 511.00
Other model	CHF 491.90	CHF 565.10
Free choice of doctor	CHF 559.00	CHF 601.10
HMO practice	—	CHF 514.00

How they moved in this region

Against 2025, Helsana moves by + 3.1 % and SWICA by + 7.8 % in this region.

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