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SWICA or Assura-Basis in Region 3 of canton Zurich?

In Region 3, Assura-Basis is CHF 112.80 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 454.00 a month, SWICA to CHF 463.40. The gap is CHF 112.80 a year, 300-franc deductible, accident cover included.

What the question hides

Neither is the cheapest here: that is Agrisano, at CHF 427.80 a month. Moving there rather than to Assura-Basis is worth CHF 314.40 more a year. Agrisano

Where they stand in the region

SWICA ranks 11 and Assura-Basis ranks 7, 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.

DeductibleSWICAAssura-BasisGap
300CHF 543.50CHF 515.90+ 27.60
500CHF 531.90CHF 504.30+ 27.60
1'000CHF 502.70CHF 475.10+ 27.60
1'500CHF 473.50CHF 445.90+ 27.60
2'000CHF 444.40CHF 416.80+ 27.60
2'500CHF 415.20CHF 387.60+ 27.60

Model by model

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

ModelSWICAAssura-Basis
Family doctorCHF 463.40CHF 454.00
HMO practiceCHF 467.50—
Other modelCHF 498.70—
Free choice of doctorCHF 543.50CHF 515.90

How they moved in this region

Against 2025, SWICA moves by + 5.7 % and Assura-Basis by + 2.4 % 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.