SWICA or CONCORDIA in Region 3 of canton Zurich?
In Region 3, CONCORDIA is CHF 26.40 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 461.20 a month, SWICA to CHF 463.40. The gap is CHF 26.40 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 427.80 a month. Moving there rather than to CONCORDIA is worth CHF 400.80 more a year. Agrisano
Where they stand in the region
SWICA ranks 11 and CONCORDIA ranks 8, 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 543.50 | CHF 539.30 | + 4.20 |
| 500 | CHF 531.90 | CHF 527.70 | + 4.20 |
| 1'000 | CHF 502.70 | CHF 498.50 | + 4.20 |
| 1'500 | CHF 473.50 | CHF 469.30 | + 4.20 |
| 2'000 | CHF 444.40 | CHF 440.20 | + 4.20 |
| 2'500 | CHF 415.20 | CHF 411.00 | + 4.20 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | SWICA | CONCORDIA |
|---|---|---|
| Family doctor | CHF 463.40 | CHF 477.30 |
| HMO practice | CHF 467.50 | CHF 461.20 |
| Other model | CHF 498.70 | CHF 469.20 |
| Free choice of doctor | CHF 543.50 | CHF 539.30 |
How they moved in this region
Against 2025, SWICA moves by + 5.7 % and CONCORDIA by + 7.3 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.