SWICA or KPT in Region 3 of canton Zurich?

In Region 3, SWICA is CHF 160.80 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 463.40 a month, KPT to CHF 476.80. The gap is CHF 160.80 a year, 300-franc deductible, accident cover included.

Neither is the cheapest here: that is Agrisano, at CHF 427.80 a month. Moving there rather than to SWICA is worth CHF 427.20 more a year. Agrisano

SWICA ranks 11 and KPT ranks 19, out of 27 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 543.50	CHF 563.90	− 20.40
500	CHF 531.90	CHF 552.30	− 20.40
1'000	CHF 502.70	CHF 523.10	− 20.40
1'500	CHF 473.50	CHF 493.90	− 20.40
2'000	CHF 444.40	—	—
2'500	CHF 415.20	CHF 435.60	− 20.40

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

Against 2025, SWICA moves by + 5.7 % and KPT by + 4.7 % in this region.

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