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SWICA or Mutuel in Region 1 of canton Schaffhausen?

In Region 1, SWICA is CHF 530.40 a year cheaper than Mutuel 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 511.00 a month, Mutuel to CHF 555.20. The gap is CHF 530.40 a year, 300-franc deductible, accident cover included.

What the question hides

Neither is the cheapest here: that is ÖKK, at CHF 480.30 a month. Moving there rather than to SWICA is worth CHF 368.40 more a year. ÖKK

Where they stand in the region

SWICA ranks 11 and Mutuel ranks 21, out of 23 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.

DeductibleSWICAMutuelGap
300CHF 601.10CHF 630.90− 29.80
500CHF 589.50CHF 619.40− 29.90
1'000CHF 560.30CHF 590.40− 30.10
1'500CHF 531.10CHF 560.90− 29.80
2'000CHF 502.00CHF 531.90− 29.90
2'500CHF 472.80CHF 502.90− 30.10

Model by model

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

ModelSWICAMutuel
Family doctorCHF 511.00CHF 574.20
HMO practiceCHF 514.00CHF 555.20
Other modelCHF 565.10CHF 556.80
Free choice of doctorCHF 601.10CHF 630.90

How they moved in this region

Against 2025, SWICA moves by + 7.8 % and Mutuel by + 3.7 % in this region.

SWICA, Mutuel, 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.