SWICA or KPT in Region 1 of canton Schaffhausen?
In Region 1, KPT is CHF 88.80 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
KPT comes down to CHF 503.60 a month, SWICA to CHF 511.00. The gap is CHF 88.80 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is ÖKK, at CHF 480.30 a month. Moving there rather than to KPT is worth CHF 279.60 more a year. ÖKK
Where they stand in the region
SWICA ranks 11 and KPT ranks 8, out of 23 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 | KPT | Gap |
|---|---|---|---|
| 300 | CHF 601.10 | CHF 597.40 | + 3.70 |
| 500 | CHF 589.50 | CHF 585.80 | + 3.70 |
| 1'000 | CHF 560.30 | CHF 556.60 | + 3.70 |
| 1'500 | CHF 531.10 | CHF 527.40 | + 3.70 |
| 2'000 | CHF 502.00 | — | — |
| 2'500 | CHF 472.80 | CHF 469.10 | + 3.70 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | SWICA | KPT |
|---|---|---|
| Family doctor | CHF 511.00 | CHF 527.00 |
| HMO practice | CHF 514.00 | CHF 527.00 |
| Other model | CHF 565.10 | CHF 503.60 |
| Free choice of doctor | CHF 601.10 | CHF 597.40 |
How they moved in this region
Against 2025, SWICA moves by + 7.8 % and KPT by + 1.9 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.