SWICA or KPT in Region 2 of canton Schaffhausen?
In Region 2, KPT is CHF 15.60 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
KPT comes down to CHF 469.00 a month, SWICA to CHF 470.30. The gap is CHF 15.60 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 433.80 a month. Moving there rather than to KPT is worth CHF 422.40 more a year. Agrisano
Where they stand in the region
SWICA ranks 8 and KPT ranks 6, 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 553.20 | CHF 554.20 | − 1.00 |
| 500 | CHF 541.60 | CHF 542.60 | − 1.00 |
| 1'000 | CHF 512.40 | CHF 513.40 | − 1.00 |
| 1'500 | CHF 483.20 | CHF 484.20 | − 1.00 |
| 2'000 | CHF 454.10 | — | — |
| 2'500 | CHF 424.90 | CHF 425.90 | − 1.00 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | SWICA | KPT |
|---|---|---|
| Family doctor | CHF 470.30 | CHF 490.30 |
| HMO practice | CHF 473.00 | CHF 490.30 |
| Other model | CHF 520.10 | CHF 469.00 |
| Free choice of doctor | CHF 553.20 | CHF 554.20 |
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.