Helsana or SWICA in Region 2 of canton Vaud?
In Region 2, SWICA is CHF 15.60 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 558.80 a month, Helsana to CHF 560.10. The gap is CHF 15.60 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Assura-Basis, at CHF 537.30 a month. Moving there rather than to SWICA is worth CHF 258.00 more a year. Assura-Basis
Where they stand in the region
Helsana ranks 10 and SWICA ranks 9, 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 659.00 | CHF 698.50 | − 39.50 |
| 500 | CHF 647.40 | CHF 686.90 | − 39.50 |
| 1'000 | CHF 618.20 | CHF 657.70 | − 39.50 |
| 1'500 | CHF 589.00 | CHF 628.50 | − 39.50 |
| 2'000 | CHF 559.90 | CHF 599.40 | − 39.50 |
| 2'500 | CHF 530.70 | CHF 570.20 | − 39.50 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Helsana | SWICA |
|---|---|---|
| Other model | CHF 560.10 | CHF 649.70 |
| Family doctor | CHF 560.10 | CHF 562.30 |
| Free choice of doctor | CHF 659.00 | CHF 698.50 |
| HMO practice | — | CHF 558.80 |
How they moved in this region
Against 2025, Helsana moves by + 7.5 % and SWICA by + 5.1 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.