SWICA or Atupri in Region 2 of canton Schaffhausen?

In Region 2, SWICA is CHF 549.60 a year cheaper than Atupri 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 470.30 a month, Atupri to CHF 516.10. The gap is CHF 549.60 a year, 300-franc deductible, accident cover included.

Neither is the cheapest here: that is Agrisano, at CHF 433.80 a month. Moving there rather than to SWICA is worth CHF 438.00 more a year. Agrisano

SWICA ranks 8 and Atupri ranks 20, out of 23 active insurers in this region.

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	Atupri	Gap
300	CHF 553.20	CHF 586.50	− 33.30
500	CHF 541.60	CHF 574.90	− 33.30
1'000	CHF 512.40	CHF 545.70	− 33.30
1'500	CHF 483.20	CHF 516.50	− 33.30
2'000	CHF 454.10	CHF 487.40	− 33.30
2'500	CHF 424.90	CHF 458.20	− 33.30

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

Against 2025, SWICA moves by + 7.8 % and Atupri by + 3.0 % in this region.

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