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SWICA or EGK in Region 3 of canton Zurich?

In Region 3, SWICA is CHF 37.20 a year cheaper than EGK for an adult on the same profile. Here is the detail — and what a third insurer would do.

The verdict, in this region

SWICA comes down to CHF 463.40 a month, EGK to CHF 466.50. The gap is CHF 37.20 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 SWICA is worth CHF 427.20 more a year. Agrisano

Where they stand in the region

SWICA ranks 11 and EGK ranks 14, 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.

DeductibleSWICAEGKGap
300CHF 543.50CHF 541.80+ 1.70
500CHF 531.90CHF 530.10+ 1.80
1'000CHF 502.70CHF 500.90+ 1.80
1'500CHF 473.50CHF 471.80+ 1.70
2'000CHF 444.40CHF 442.60+ 1.80
2'500CHF 415.20CHF 413.40+ 1.80

Model by model

Each insurer’s lowest rate in each model type, 300-franc deductible.

ModelSWICAEGK
Family doctorCHF 463.40CHF 487.70
HMO practiceCHF 467.50—
Other modelCHF 498.70CHF 466.50
Free choice of doctorCHF 543.50CHF 541.80

How they moved in this region

Against 2025, SWICA moves by + 5.7 % and EGK by + 4.1 % in this region.

SWICA, EGK, or another?

The comparator works out your actual premium across all 34 insurers at once, from your age, deductible and municipality.

Source: Federal Office of Public Health (FOPH), official premiums.