SWICA or KPT in Region 1 of canton Vaud?

In Region 1, SWICA is CHF 486.00 a year cheaper than KPT 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 581.60 a month, KPT to CHF 622.10. The gap is CHF 486.00 a year, 300-franc deductible, accident cover included.

Neither is the cheapest here: that is Atupri, at CHF 570.10 a month. Moving there rather than to SWICA is worth CHF 138.00 more a year. Atupri

SWICA ranks 7 and KPT ranks 16, out of 21 active insurers in this region.

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 727.00	CHF 745.50	− 18.50
500	CHF 715.40	CHF 733.90	− 18.50
1'000	CHF 686.20	CHF 704.70	− 18.50
1'500	CHF 657.00	CHF 675.50	− 18.50
2'000	CHF 627.90	—	—
2'500	CHF 598.70	CHF 617.20	− 18.50

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

Against 2025, SWICA moves by + 5.1 % and KPT by + 5.9 % in this region.

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