SWICA or CONCORDIA in Region 1 of canton Zurich?
In Region 1, CONCORDIA is CHF 116.40 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 544.00 a month, SWICA to CHF 553.70. The gap is CHF 116.40 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Atupri, at CHF 517.70 a month. Moving there rather than to CONCORDIA is worth CHF 315.60 more a year. Atupri
Where they stand in the region
SWICA ranks 12 and CONCORDIA ranks 10, 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 | CONCORDIA | Gap |
|---|---|---|---|
| 300 | CHF 653.30 | CHF 636.20 | + 17.10 |
| 500 | CHF 641.70 | CHF 624.60 | + 17.10 |
| 1'000 | CHF 612.50 | CHF 595.40 | + 17.10 |
| 1'500 | CHF 583.30 | CHF 566.20 | + 17.10 |
| 2'000 | CHF 554.20 | CHF 537.10 | + 17.10 |
| 2'500 | CHF 525.00 | CHF 507.90 | + 17.10 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | SWICA | CONCORDIA |
|---|---|---|
| Family doctor | CHF 553.70 | CHF 563.10 |
| HMO practice | CHF 553.70 | CHF 544.00 |
| Other model | CHF 589.70 | CHF 553.50 |
| Free choice of doctor | CHF 653.30 | CHF 636.20 |
How they moved in this region
Against 2025, SWICA moves by + 5.0 % and CONCORDIA by + 7.3 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.