SWICA or Mutuel in Region 2 of canton Schaffhausen?

In Region 2, SWICA is CHF 686.40 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 470.30 a month, Mutuel to CHF 527.50. The gap is CHF 686.40 a year, 300-franc deductible, accident cover included.

Neither is the cheapest here: that is Agrisano, at CHF 433.80 a month. Moving there rather than to SWICA is worth CHF 438.00 more a year. Agrisano

SWICA ranks 8 and Mutuel ranks 21, out of 23 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	Mutuel	Gap
300	CHF 553.20	CHF 599.40	− 46.20
500	CHF 541.60	CHF 587.90	− 46.30
1'000	CHF 512.40	CHF 558.90	− 46.50
1'500	CHF 483.20	CHF 529.40	− 46.20
2'000	CHF 454.10	CHF 500.40	− 46.30
2'500	CHF 424.90	CHF 471.40	− 46.50

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

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

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