Helsana or SWICA in Region 2 of canton Schaffhausen?
In Region 2, SWICA is CHF 252.00 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 470.30 a month, Helsana to CHF 491.30. The gap is CHF 252.00 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 433.80 a month. Moving there rather than to SWICA is worth CHF 438.00 more a year. Agrisano
Where they stand in the region
Helsana ranks 14 and SWICA ranks 8, 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 578.00 | CHF 553.20 | + 24.80 |
| 500 | CHF 566.40 | CHF 541.60 | + 24.80 |
| 1'000 | CHF 537.20 | CHF 512.40 | + 24.80 |
| 1'500 | CHF 508.00 | CHF 483.20 | + 24.80 |
| 2'000 | CHF 478.90 | CHF 454.10 | + 24.80 |
| 2'500 | CHF 449.70 | CHF 424.90 | + 24.80 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Helsana | SWICA |
|---|---|---|
| Other model | CHF 491.30 | CHF 520.10 |
| Family doctor | CHF 491.30 | CHF 470.30 |
| Free choice of doctor | CHF 578.00 | CHF 553.20 |
| HMO practice | — | CHF 473.00 |
How they moved in this region
Against 2025, Helsana moves by + 5.7 % and SWICA by + 7.8 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.