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SWICA or KPT in Region 1 of canton Zurich?

In Region 1, KPT is CHF 118.80 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 543.80 a month, SWICA to CHF 553.70. The gap is CHF 118.80 a year, 300-franc deductible, accident cover included.

What the question hides

Neither is the cheapest here: that is Atupri, at CHF 517.70 a month. Moving there rather than to KPT is worth CHF 313.20 more a year. Atupri

Where they stand in the region

SWICA ranks 12 and KPT ranks 9, out of 27 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 653.30CHF 647.70+ 5.60
500CHF 641.70CHF 636.10+ 5.60
1'000CHF 612.50CHF 606.90+ 5.60
1'500CHF 583.30CHF 577.70+ 5.60
2'000CHF 554.20——
2'500CHF 525.00CHF 519.40+ 5.60

Model by model

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

ModelSWICAKPT
Family doctorCHF 553.70CHF 564.60
HMO practiceCHF 553.70CHF 559.40
Other modelCHF 589.70CHF 543.80
Free choice of doctorCHF 653.30CHF 647.70

How they moved in this region

Against 2025, SWICA moves by + 5.0 % and KPT by + 3.3 % 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.