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SWICA or Assura-Basis in Region 1 of canton Schaffhausen?

In Region 1, Assura-Basis is CHF 228.00 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

Assura-Basis comes down to CHF 492.00 a month, SWICA to CHF 511.00. The gap is CHF 228.00 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 Assura-Basis is worth CHF 140.40 more a year. ÖKK

Where they stand in the region

SWICA ranks 11 and Assura-Basis ranks 4, 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.

DeductibleSWICAAssura-BasisGap
300CHF 601.10CHF 559.00+ 42.10
500CHF 589.50CHF 547.40+ 42.10
1'000CHF 560.30CHF 518.20+ 42.10
1'500CHF 531.10CHF 489.00+ 42.10
2'000CHF 502.00CHF 459.90+ 42.10
2'500CHF 472.80CHF 430.70+ 42.10

Model by model

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

ModelSWICAAssura-Basis
Family doctorCHF 511.00CHF 492.00
HMO practiceCHF 514.00—
Other modelCHF 565.10—
Free choice of doctorCHF 601.10CHF 559.00

How they moved in this region

Against 2025, SWICA moves by + 7.8 % and Assura-Basis by − 0.1 % in this region.

SWICA, Assura-Basis, or another?

The comparator works out your actual premium across all 34 insurers at once, from your age, deductible and municipality.

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