SWICA or Mutuel?
Basic benefits are identical at SWICA and Mutuel — the law requires it. Only the price differs, and it differs from canton to canton. Here is where each one wins.
SWICA is cheaper in 33 of 42 premium regions.
On average, SWICA costs CHF 318 less per year.
Adult, CHF 300 deductible, accident cover included. Each insurer’s lowest premium, across all models.
Region by region
| Canton | Region | SWICA | Mutuel | Monthly gap |
|---|---|---|---|---|
| Aargau | single | CHF 503.80 | CHF 500.20 | +CHF 3.60 |
| Appenzell Innerrhoden | single | CHF 387.20 | CHF 422.20 | CHF -35.00 |
| Appenzell Ausserrhoden | single | CHF 454.60 | CHF 558.50 | CHF -103.90 |
| Bern | 1 | CHF 582.70 | CHF 601.20 | CHF -18.50 |
| Bern | 2 | CHF 512.40 | CHF 553.10 | CHF -40.70 |
| Bern | 3 | CHF 485.90 | CHF 529.00 | CHF -43.10 |
| Basel-Landschaft | 1 | CHF 570.10 | CHF 572.40 | CHF -2.30 |
| Basel-Landschaft | 2 | CHF 538.30 | CHF 538.00 | +CHF 0.30 |
| Basel-Stadt | single | CHF 593.90 | CHF 593.60 | +CHF 0.30 |
| Fribourg | 1 | CHF 513.10 | CHF 542.10 | CHF -29.00 |
| Fribourg | 2 | CHF 480.90 | CHF 512.30 | CHF -31.40 |
| Geneva | single | CHF 632.10 | CHF 624.40 | +CHF 7.70 |
| Glarus | single | CHF 447.10 | CHF 476.50 | CHF -29.40 |
| Grisons | 1 | CHF 492.50 | CHF 479.50 | +CHF 13.00 |
| Grisons | 2 | CHF 450.00 | CHF 467.60 | CHF -17.60 |
| Grisons | 3 | CHF 450.90 | CHF 455.60 | CHF -4.70 |
| Jura | single | CHF 615.60 | CHF 591.80 | +CHF 23.80 |
| Lucerne | 1 | CHF 496.70 | CHF 560.60 | CHF -63.90 |
| Lucerne | 2 | CHF 476.60 | CHF 526.90 | CHF -50.30 |
| Lucerne | 3 | CHF 437.40 | CHF 521.30 | CHF -83.90 |
| Neuchâtel | single | CHF 562.20 | CHF 624.00 | CHF -61.80 |
| Nidwalden | single | CHF 413.40 | CHF 511.40 | CHF -98.00 |
| Obwalden | single | CHF 420.70 | CHF 442.10 | CHF -21.40 |
| St. Gallen | 1 | CHF 482.90 | CHF 527.60 | CHF -44.70 |
| St. Gallen | 2 | CHF 450.10 | CHF 490.70 | CHF -40.60 |
| St. Gallen | 3 | CHF 431.30 | CHF 464.30 | CHF -33.00 |
| Schaffhausen | 1 | CHF 511.00 | CHF 555.20 | CHF -44.20 |
| Schaffhausen | 2 | CHF 470.30 | CHF 527.50 | CHF -57.20 |
| Solothurn | single | CHF 538.60 | CHF 509.40 | +CHF 29.20 |
| Schwyz | single | CHF 486.00 | CHF 453.00 | +CHF 33.00 |
| Thurgau | single | CHF 468.80 | CHF 488.50 | CHF -19.70 |
| Ticino | 1 | CHF 669.50 | CHF 683.60 | CHF -14.10 |
| Ticino | 2 | CHF 645.80 | CHF 649.40 | CHF -3.60 |
| Uri | single | CHF 411.90 | CHF 482.30 | CHF -70.40 |
| Vaud | 1 | CHF 581.60 | CHF 617.50 | CHF -35.90 |
| Vaud | 2 | CHF 558.80 | CHF 580.50 | CHF -21.70 |
| Valais | 1 | CHF 493.80 | CHF 503.20 | CHF -9.40 |
| Valais | 2 | CHF 448.40 | CHF 478.10 | CHF -29.70 |
| Zug | single | CHF 361.60 | CHF 364.00 | CHF -2.40 |
| Zurich | 1 | CHF 553.70 | CHF 553.50 | +CHF 0.20 |
| Zurich | 2 | CHF 497.10 | CHF 531.30 | CHF -34.20 |
| Zurich | 3 | CHF 463.40 | CHF 492.60 | CHF -29.20 |
A premium gap says nothing about service quality, reimbursement times or how easy it is to reach someone. Those things are not published, and we will not invent them.