SWICA or CONCORDIA in Region 2 of canton Ticino?
In Region 2, CONCORDIA is CHF 890.40 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 571.60 a month, SWICA to CHF 645.80. The gap is CHF 890.40 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 539.00 a month. Moving there rather than to CONCORDIA is worth CHF 391.20 more a year. Agrisano
Where they stand in the region
SWICA ranks 17 and CONCORDIA ranks 5, 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 | CONCORDIA | Gap |
|---|---|---|---|
| 300 | CHF 797.20 | CHF 676.40 | + 120.80 |
| 500 | CHF 785.60 | CHF 664.80 | + 120.80 |
| 1'000 | CHF 756.40 | CHF 635.60 | + 120.80 |
| 1'500 | CHF 727.20 | CHF 606.40 | + 120.80 |
| 2'000 | CHF 698.10 | CHF 577.30 | + 120.80 |
| 2'500 | CHF 668.90 | CHF 548.10 | + 120.80 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | SWICA | CONCORDIA |
|---|---|---|
| Family doctor | CHF 645.80 | CHF 602.00 |
| HMO practice | CHF 661.70 | CHF 571.60 |
| Other model | CHF 741.40 | CHF 581.80 |
| Free choice of doctor | CHF 797.20 | CHF 676.40 |
How they moved in this region
Against 2025, SWICA moves by + 7.5 % and CONCORDIA by + 6.2 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.