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SWICA or KPT in Region 2 of canton Ticino?

In Region 2, KPT is CHF 958.80 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 565.90 a month, SWICA to CHF 645.80. The gap is CHF 958.80 a year, 300-franc deductible, accident cover included.

What the question hides

Neither is the cheapest here: that is Agrisano, at CHF 539.00 a month. Moving there rather than to KPT is worth CHF 322.80 more a year. Agrisano

Where they stand in the region

SWICA ranks 17 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.

DeductibleSWICAKPTGap
300CHF 797.20CHF 675.30+ 121.90
500CHF 785.60CHF 663.70+ 121.90
1'000CHF 756.40CHF 634.50+ 121.90
1'500CHF 727.20CHF 605.30+ 121.90
2'000CHF 698.10——
2'500CHF 668.90CHF 547.00+ 121.90

Model by model

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

ModelSWICAKPT
Family doctorCHF 645.80CHF 593.30
HMO practiceCHF 661.70CHF 593.30
Other modelCHF 741.40CHF 565.90
Free choice of doctorCHF 797.20CHF 675.30

How they moved in this region

Against 2025, SWICA moves by + 7.5 % and KPT by + 4.7 % in this region.

SWICA, KPT, 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.