SWICA or Atupri?
Basic benefits are identical at SWICA and Atupri — the law requires it. Only the price differs, and it differs from canton to canton. Here is where each one wins.
Atupri is cheaper in 24 of 42 premium regions.
On average, Atupri costs CHF 69 less per year.
Adult, CHF 300 deductible, accident cover included. Each insurer’s lowest premium, across all models.
Region by region
| Canton | Region | SWICA | Atupri | Monthly gap |
|---|---|---|---|---|
| Aargau | single | CHF 503.80 | CHF 477.70 | +CHF 26.10 |
| Appenzell Innerrhoden | single | CHF 387.20 | CHF 375.30 | +CHF 11.90 |
| Appenzell Ausserrhoden | single | CHF 454.60 | CHF 573.90 | CHF -119.30 |
| Bern | 1 | CHF 582.70 | CHF 548.90 | +CHF 33.80 |
| Bern | 2 | CHF 512.40 | CHF 517.60 | CHF -5.20 |
| Bern | 3 | CHF 485.90 | CHF 510.70 | CHF -24.80 |
| Basel-Landschaft | 1 | CHF 570.10 | CHF 558.70 | +CHF 11.40 |
| Basel-Landschaft | 2 | CHF 538.30 | CHF 540.80 | CHF -2.50 |
| Basel-Stadt | single | CHF 593.90 | CHF 604.50 | CHF -10.60 |
| Fribourg | 1 | CHF 513.10 | CHF 506.50 | +CHF 6.60 |
| Fribourg | 2 | CHF 480.90 | CHF 474.10 | +CHF 6.80 |
| Geneva | single | CHF 632.10 | CHF 609.70 | +CHF 22.40 |
| Glarus | single | CHF 447.10 | CHF 457.10 | CHF -10.00 |
| Grisons | 1 | CHF 492.50 | CHF 517.70 | CHF -25.20 |
| Grisons | 2 | CHF 450.00 | CHF 469.00 | CHF -19.00 |
| Grisons | 3 | CHF 450.90 | CHF 468.00 | CHF -17.10 |
| Jura | single | CHF 615.60 | CHF 565.40 | +CHF 50.20 |
| Lucerne | 1 | CHF 496.70 | CHF 451.60 | +CHF 45.10 |
| Lucerne | 2 | CHF 476.60 | CHF 455.70 | +CHF 20.90 |
| Lucerne | 3 | CHF 437.40 | CHF 440.20 | CHF -2.80 |
| Neuchâtel | single | CHF 562.20 | CHF 583.80 | CHF -21.60 |
| Nidwalden | single | CHF 413.40 | CHF 414.40 | CHF -1.00 |
| Obwalden | single | CHF 420.70 | CHF 413.40 | +CHF 7.30 |
| St. Gallen | 1 | CHF 482.90 | CHF 489.30 | CHF -6.40 |
| St. Gallen | 2 | CHF 450.10 | CHF 443.90 | +CHF 6.20 |
| St. Gallen | 3 | CHF 431.30 | CHF 443.10 | CHF -11.80 |
| Schaffhausen | 1 | CHF 511.00 | CHF 516.10 | CHF -5.10 |
| Schaffhausen | 2 | CHF 470.30 | CHF 516.10 | CHF -45.80 |
| Solothurn | single | CHF 538.60 | CHF 507.70 | +CHF 30.90 |
| Schwyz | single | CHF 486.00 | CHF 433.50 | +CHF 52.50 |
| Thurgau | single | CHF 468.80 | CHF 448.00 | +CHF 20.80 |
| Ticino | 1 | CHF 669.50 | CHF 640.90 | +CHF 28.60 |
| Ticino | 2 | CHF 645.80 | CHF 576.70 | +CHF 69.10 |
| Uri | single | CHF 411.90 | CHF 401.30 | +CHF 10.60 |
| Vaud | 1 | CHF 581.60 | CHF 570.10 | +CHF 11.50 |
| Vaud | 2 | CHF 558.80 | CHF 539.50 | +CHF 19.30 |
| Valais | 1 | CHF 493.80 | CHF 481.20 | +CHF 12.60 |
| Valais | 2 | CHF 448.40 | CHF 430.10 | +CHF 18.30 |
| Zug | single | CHF 361.60 | CHF 367.40 | CHF -5.80 |
| Zurich | 1 | CHF 553.70 | CHF 517.70 | +CHF 36.00 |
| Zurich | 2 | CHF 497.10 | CHF 475.60 | +CHF 21.50 |
| Zurich | 3 | CHF 463.40 | CHF 469.00 | CHF -5.60 |
A premium gap says nothing about service quality, reimbursement times or how easy it is to reach someone. Those things are not published, and we will not invent them.