SWICA or Assura-Basis in Region 2 of canton Zurich?
In Region 2, SWICA is CHF 21.60 a year cheaper than Assura-Basis 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 497.10 a month, Assura-Basis to CHF 498.90. The gap is CHF 21.60 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 467.90 a month. Moving there rather than to SWICA is worth CHF 350.40 more a year. Agrisano
Where they stand in the region
SWICA ranks 12 and Assura-Basis ranks 13, 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 | SWICA | Assura-Basis | Gap |
|---|---|---|---|
| 300 | CHF 583.10 | CHF 566.90 | + 16.20 |
| 500 | CHF 571.50 | CHF 555.30 | + 16.20 |
| 1'000 | CHF 542.30 | CHF 526.10 | + 16.20 |
| 1'500 | CHF 513.10 | CHF 496.90 | + 16.20 |
| 2'000 | CHF 484.00 | CHF 467.80 | + 16.20 |
| 2'500 | CHF 454.80 | CHF 438.60 | + 16.20 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | SWICA | Assura-Basis |
|---|---|---|
| Family doctor | CHF 497.10 | CHF 498.90 |
| HMO practice | CHF 501.50 | — |
| Other model | CHF 535.00 | — |
| Free choice of doctor | CHF 583.10 | CHF 566.90 |
How they moved in this region
Against 2025, SWICA moves by + 5.0 % and Assura-Basis by + 2.4 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.