SWICA or Atupri in Region 1 of canton Ticino?
In Region 1, Atupri is CHF 343.20 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
Atupri comes down to CHF 640.90 a month, SWICA to CHF 669.50. The gap is CHF 343.20 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 583.90 a month. Moving there rather than to Atupri is worth CHF 684.00 more a year. Agrisano
Where they stand in the region
SWICA ranks 16 and Atupri ranks 13, 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 | Atupri | Gap |
|---|---|---|---|
| 300 | CHF 826.50 | CHF 731.60 | + 94.90 |
| 500 | CHF 814.90 | CHF 720.00 | + 94.90 |
| 1'000 | CHF 785.70 | CHF 690.80 | + 94.90 |
| 1'500 | CHF 756.50 | CHF 661.60 | + 94.90 |
| 2'000 | CHF 727.40 | CHF 632.50 | + 94.90 |
| 2'500 | CHF 698.20 | CHF 603.30 | + 94.90 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | SWICA | Atupri |
|---|---|---|
| Family doctor | CHF 669.50 | CHF 642.30 |
| HMO practice | CHF 719.10 | CHF 640.90 |
| Other model | CHF 768.70 | CHF 654.80 |
| Free choice of doctor | CHF 826.50 | CHF 731.60 |
How they moved in this region
Against 2025, SWICA moves by + 7.5 % and Atupri by + 10.8 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.