SWICA or CONCORDIA in Region 1 of canton Schaffhausen?
In Region 1, CONCORDIA is CHF 104.40 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
CONCORDIA comes down to CHF 502.30 a month, SWICA to CHF 511.00. The gap is CHF 104.40 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is ÖKK, at CHF 480.30 a month. Moving there rather than to CONCORDIA is worth CHF 264.00 more a year. ÖKK
Where they stand in the region
SWICA ranks 11 and CONCORDIA ranks 7, out of 23 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 | CONCORDIA | Gap |
|---|---|---|---|
| 300 | CHF 601.10 | CHF 577.30 | + 23.80 |
| 500 | CHF 589.50 | CHF 565.70 | + 23.80 |
| 1'000 | CHF 560.30 | CHF 536.50 | + 23.80 |
| 1'500 | CHF 531.10 | CHF 507.30 | + 23.80 |
| 2'000 | CHF 502.00 | CHF 478.20 | + 23.80 |
| 2'500 | CHF 472.80 | CHF 449.00 | + 23.80 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | SWICA | CONCORDIA |
|---|---|---|
| Family doctor | CHF 511.00 | CHF 511.00 |
| HMO practice | CHF 514.00 | CHF 502.30 |
| Other model | CHF 565.10 | CHF 502.30 |
| Free choice of doctor | CHF 601.10 | CHF 577.30 |
How they moved in this region
Against 2025, SWICA moves by + 7.8 % and CONCORDIA by + 5.2 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.