SWICA or CONCORDIA?
Basic benefits are identical at SWICA and CONCORDIA — the law requires it. Only the price differs, and it differs from canton to canton. Here is where each one wins.
Neither dominates: SWICA and CONCORDIA split Switzerland almost evenly.
On average, CONCORDIA costs CHF 70 less per year.
Adult, CHF 300 deductible, accident cover included. Each insurer’s lowest premium, across all models.
Region by region
| Canton | Region | SWICA | CONCORDIA | Monthly gap |
|---|---|---|---|---|
| Aargau | single | CHF 503.80 | CHF 480.70 | +CHF 23.10 |
| Appenzell Innerrhoden | single | CHF 387.20 | CHF 378.00 | +CHF 9.20 |
| Appenzell Ausserrhoden | single | CHF 454.60 | CHF 456.20 | CHF -1.60 |
| Bern | 1 | CHF 582.70 | CHF 590.80 | CHF -8.10 |
| Bern | 2 | CHF 512.40 | CHF 529.60 | CHF -17.20 |
| Bern | 3 | CHF 485.90 | CHF 495.60 | CHF -9.70 |
| Basel-Landschaft | 1 | CHF 570.10 | CHF 593.30 | CHF -23.20 |
| Basel-Landschaft | 2 | CHF 538.30 | CHF 555.30 | CHF -17.00 |
| Basel-Stadt | single | CHF 593.90 | CHF 593.20 | +CHF 0.70 |
| Fribourg | 1 | CHF 513.10 | CHF 513.60 | CHF -0.50 |
| Fribourg | 2 | CHF 480.90 | CHF 482.70 | CHF -1.80 |
| Geneva | single | CHF 632.10 | CHF 632.30 | CHF -0.20 |
| Glarus | single | CHF 447.10 | CHF 452.40 | CHF -5.30 |
| Grisons | 1 | CHF 492.50 | CHF 461.70 | +CHF 30.80 |
| Grisons | 2 | CHF 450.00 | CHF 445.60 | +CHF 4.40 |
| Grisons | 3 | CHF 450.90 | CHF 426.20 | +CHF 24.70 |
| Jura | single | CHF 615.60 | CHF 594.00 | +CHF 21.60 |
| Lucerne | 1 | CHF 496.70 | CHF 476.00 | +CHF 20.70 |
| Lucerne | 2 | CHF 476.60 | CHF 447.40 | +CHF 29.20 |
| Lucerne | 3 | CHF 437.40 | CHF 435.20 | +CHF 2.20 |
| Neuchâtel | single | CHF 562.20 | CHF 608.90 | CHF -46.70 |
| Nidwalden | single | CHF 413.40 | CHF 426.40 | CHF -13.00 |
| Obwalden | single | CHF 420.70 | CHF 414.90 | +CHF 5.80 |
| St. Gallen | 1 | CHF 482.90 | CHF 486.70 | CHF -3.80 |
| St. Gallen | 2 | CHF 450.10 | CHF 456.00 | CHF -5.90 |
| St. Gallen | 3 | CHF 431.30 | CHF 441.10 | CHF -9.80 |
| Schaffhausen | 1 | CHF 511.00 | CHF 502.30 | +CHF 8.70 |
| Schaffhausen | 2 | CHF 470.30 | CHF 469.60 | +CHF 0.70 |
| Solothurn | single | CHF 538.60 | CHF 507.10 | +CHF 31.50 |
| Schwyz | single | CHF 486.00 | CHF 435.80 | +CHF 50.20 |
| Thurgau | single | CHF 468.80 | CHF 458.90 | +CHF 9.90 |
| Ticino | 1 | CHF 669.50 | CHF 613.40 | +CHF 56.10 |
| Ticino | 2 | CHF 645.80 | CHF 571.60 | +CHF 74.20 |
| Uri | single | CHF 411.90 | CHF 421.50 | CHF -9.60 |
| Vaud | 1 | CHF 581.60 | CHF 596.70 | CHF -15.10 |
| Vaud | 2 | CHF 558.80 | CHF 566.50 | CHF -7.70 |
| Valais | 1 | CHF 493.80 | CHF 498.00 | CHF -4.20 |
| Valais | 2 | CHF 448.40 | CHF 450.70 | CHF -2.30 |
| Zug | single | CHF 361.60 | CHF 335.70 | +CHF 25.90 |
| Zurich | 1 | CHF 553.70 | CHF 544.00 | +CHF 9.70 |
| Zurich | 2 | CHF 497.10 | CHF 492.30 | +CHF 4.80 |
| Zurich | 3 | CHF 463.40 | CHF 461.20 | +CHF 2.20 |
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.