Helsana or SWICA in Region 1 of canton Zurich?
In Region 1, Helsana is CHF 241.20 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 533.60 a month, SWICA to CHF 553.70. The gap is CHF 241.20 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Atupri, at CHF 517.70 a month. Moving there rather than to Helsana is worth CHF 190.80 more a year. Atupri
Where they stand in the region
Helsana ranks 7 and SWICA ranks 12, out of 27 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 643.00 | CHF 653.30 | − 10.30 |
| 500 | CHF 631.40 | CHF 641.70 | − 10.30 |
| 1'000 | CHF 602.20 | CHF 612.50 | − 10.30 |
| 1'500 | CHF 573.00 | CHF 583.30 | − 10.30 |
| 2'000 | CHF 543.90 | CHF 554.20 | − 10.30 |
| 2'500 | CHF 514.70 | CHF 525.00 | − 10.30 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Helsana | SWICA |
|---|---|---|
| Family doctor | CHF 533.60 | CHF 553.70 |
| Other model | CHF 540.10 | CHF 589.70 |
| Free choice of doctor | CHF 643.00 | CHF 653.30 |
| HMO practice | — | CHF 553.70 |
How they moved in this region
Against 2025, Helsana moves by + 5.3 % and SWICA by + 5.0 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.