SWICA or Atupri in Region 3 of canton Zurich?
In Region 3, SWICA is CHF 67.20 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 463.40 a month, Atupri to CHF 469.00. The gap is CHF 67.20 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 SWICA is worth CHF 427.20 more a year. Agrisano
Where they stand in the region
SWICA ranks 11 and Atupri ranks 15, 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 | Atupri | Gap |
|---|---|---|---|
| 300 | CHF 543.50 | CHF 528.10 | + 15.40 |
| 500 | CHF 531.90 | CHF 516.50 | + 15.40 |
| 1'000 | CHF 502.70 | CHF 487.30 | + 15.40 |
| 1'500 | CHF 473.50 | CHF 458.10 | + 15.40 |
| 2'000 | CHF 444.40 | CHF 429.00 | + 15.40 |
| 2'500 | CHF 415.20 | CHF 399.80 | + 15.40 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | SWICA | Atupri |
|---|---|---|
| Family doctor | CHF 463.40 | CHF 471.60 |
| HMO practice | CHF 467.50 | CHF 469.00 |
| Other model | CHF 498.70 | CHF 470.00 |
| Free choice of doctor | CHF 543.50 | CHF 528.10 |
How they moved in this region
Against 2025, SWICA moves by + 5.7 % and Atupri by + 5.3 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.