Helsana or SWICA in Region 1 of canton Ticino?
In Region 1, Helsana is CHF 484.80 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 629.10 a month, SWICA to CHF 669.50. The gap is CHF 484.80 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 583.90 a month. Moving there rather than to Helsana is worth CHF 542.40 more a year. Agrisano
Where they stand in the region
Helsana ranks 9 and SWICA ranks 16, out of 21 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 749.00 | CHF 826.50 | − 77.50 |
| 500 | CHF 737.40 | CHF 814.90 | − 77.50 |
| 1'000 | CHF 708.20 | CHF 785.70 | − 77.50 |
| 1'500 | CHF 679.00 | CHF 756.50 | − 77.50 |
| 2'000 | CHF 649.90 | CHF 727.40 | − 77.50 |
| 2'500 | CHF 620.70 | CHF 698.20 | − 77.50 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Helsana | SWICA |
|---|---|---|
| Other model | CHF 629.10 | CHF 768.70 |
| Family doctor | CHF 636.60 | CHF 669.50 |
| Free choice of doctor | CHF 749.00 | CHF 826.50 |
| HMO practice | — | CHF 719.10 |
How they moved in this region
Against 2025, Helsana moves by + 9.2 % and SWICA by + 7.5 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.