SWICA or CONCORDIA in Region 2 of canton Zurich?
In Region 2, CONCORDIA is CHF 57.60 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 492.30 a month, SWICA to CHF 497.10. The gap is CHF 57.60 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 467.90 a month. Moving there rather than to CONCORDIA is worth CHF 292.80 more a year. Agrisano
Where they stand in the region
SWICA ranks 12 and CONCORDIA ranks 7, 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 583.10 | CHF 575.70 | + 7.40 |
| 500 | CHF 571.50 | CHF 564.10 | + 7.40 |
| 1'000 | CHF 542.30 | CHF 534.90 | + 7.40 |
| 1'500 | CHF 513.10 | CHF 505.70 | + 7.40 |
| 2'000 | CHF 484.00 | CHF 476.60 | + 7.40 |
| 2'500 | CHF 454.80 | CHF 447.40 | + 7.40 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | SWICA | CONCORDIA |
|---|---|---|
| Family doctor | CHF 497.10 | CHF 509.50 |
| HMO practice | CHF 501.50 | CHF 492.30 |
| Other model | CHF 535.00 | CHF 500.90 |
| Free choice of doctor | CHF 583.10 | CHF 575.70 |
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.