SWICA or Assura-Basis in Region 2 of canton Ticino?
In Region 2, Assura-Basis is CHF 801.60 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 579.00 a month, SWICA to CHF 645.80. The gap is CHF 801.60 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 539.00 a month. Moving there rather than to Assura-Basis is worth CHF 480.00 more a year. Agrisano
Where they stand in the region
SWICA ranks 17 and Assura-Basis ranks 8, 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 | SWICA | Assura-Basis | Gap |
|---|---|---|---|
| 300 | CHF 797.20 | CHF 669.30 | + 127.90 |
| 500 | CHF 785.60 | CHF 657.70 | + 127.90 |
| 1'000 | CHF 756.40 | CHF 628.50 | + 127.90 |
| 1'500 | CHF 727.20 | CHF 599.30 | + 127.90 |
| 2'000 | CHF 698.10 | CHF 570.20 | + 127.90 |
| 2'500 | CHF 668.90 | CHF 541.00 | + 127.90 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | SWICA | Assura-Basis |
|---|---|---|
| Family doctor | CHF 645.80 | CHF 579.00 |
| HMO practice | CHF 661.70 | — |
| Other model | CHF 741.40 | — |
| Free choice of doctor | CHF 797.20 | CHF 669.30 |
How they moved in this region
Against 2025, SWICA moves by + 7.5 % and Assura-Basis by + 9.7 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.