SWICA or KPT in Region 2 of canton Zurich?
In Region 2, KPT is CHF 165.60 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 483.30 a month, SWICA to CHF 497.10. The gap is CHF 165.60 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 467.90 a month. Moving there rather than to KPT is worth CHF 184.80 more a year. Agrisano
Where they stand in the region
SWICA ranks 12 and KPT ranks 4, 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.
| Deductible | SWICA | KPT | Gap |
|---|---|---|---|
| 300 | CHF 583.10 | CHF 572.00 | + 11.10 |
| 500 | CHF 571.50 | CHF 560.40 | + 11.10 |
| 1'000 | CHF 542.30 | CHF 531.20 | + 11.10 |
| 1'500 | CHF 513.10 | CHF 502.00 | + 11.10 |
| 2'000 | CHF 484.00 | — | — |
| 2'500 | CHF 454.80 | CHF 443.70 | + 11.10 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | SWICA | KPT |
|---|---|---|
| Family doctor | CHF 497.10 | CHF 492.10 |
| HMO practice | CHF 501.50 | CHF 505.40 |
| Other model | CHF 535.00 | CHF 483.30 |
| Free choice of doctor | CHF 583.10 | CHF 572.00 |
How they moved in this region
Against 2025, SWICA moves by + 5.0 % and KPT by + 3.3 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.