SWICA or Mutuel in Region 1 of canton Ticino?
In Region 1, SWICA is CHF 169.20 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 669.50 a month, Mutuel to CHF 683.60. The gap is CHF 169.20 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 583.90 a month. Moving there rather than to SWICA is worth CHF 1'027.20 more a year. Agrisano
Where they stand in the region
SWICA ranks 16 and Mutuel ranks 17, out of 21 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 | Mutuel | Gap |
|---|---|---|---|
| 300 | CHF 826.50 | CHF 772.40 | + 54.10 |
| 500 | CHF 814.90 | CHF 760.90 | + 54.00 |
| 1'000 | CHF 785.70 | CHF 731.90 | + 53.80 |
| 1'500 | CHF 756.50 | CHF 702.40 | + 54.10 |
| 2'000 | CHF 727.40 | CHF 673.40 | + 54.00 |
| 2'500 | CHF 698.20 | CHF 644.40 | + 53.80 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | SWICA | Mutuel |
|---|---|---|
| Family doctor | CHF 669.50 | CHF 702.90 |
| HMO practice | CHF 719.10 | — |
| Other model | CHF 768.70 | CHF 683.60 |
| Free choice of doctor | CHF 826.50 | CHF 772.40 |
How they moved in this region
Against 2025, SWICA moves by + 7.5 % and Mutuel by + 3.3 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.