SWICA or KPT in Region 1 of canton Ticino?
In Region 1, KPT is CHF 674.40 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
KPT comes down to CHF 613.30 a month, SWICA to CHF 669.50. The gap is CHF 674.40 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 583.90 a month. Moving there rather than to KPT is worth CHF 352.80 more a year. Agrisano
Where they stand in the region
SWICA ranks 16 and KPT ranks 4, out of 21 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 826.50 | CHF 734.60 | + 91.90 |
| 500 | CHF 814.90 | CHF 723.00 | + 91.90 |
| 1'000 | CHF 785.70 | CHF 693.80 | + 91.90 |
| 1'500 | CHF 756.50 | CHF 664.60 | + 91.90 |
| 2'000 | CHF 727.40 | — | — |
| 2'500 | CHF 698.20 | CHF 606.30 | + 91.90 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | SWICA | KPT |
|---|---|---|
| Family doctor | CHF 669.50 | CHF 643.70 |
| HMO practice | CHF 719.10 | CHF 613.30 |
| Other model | CHF 768.70 | CHF 613.30 |
| Free choice of doctor | CHF 826.50 | CHF 734.60 |
How they moved in this region
Against 2025, SWICA moves by + 7.5 % and KPT by + 7.8 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.