SWICA or Mutuel in Region 2 of canton Ticino?
In Region 2, SWICA is CHF 43.20 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 645.80 a month, Mutuel to CHF 649.40. The gap is CHF 43.20 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 539.00 a month. Moving there rather than to SWICA is worth CHF 1'281.60 more a year. Agrisano
Where they stand in the region
SWICA ranks 17 and Mutuel ranks 18, 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 797.20 | CHF 733.80 | + 63.40 |
| 500 | CHF 785.60 | CHF 722.30 | + 63.30 |
| 1'000 | CHF 756.40 | CHF 693.30 | + 63.10 |
| 1'500 | CHF 727.20 | CHF 663.80 | + 63.40 |
| 2'000 | CHF 698.10 | CHF 634.80 | + 63.30 |
| 2'500 | CHF 668.90 | CHF 605.80 | + 63.10 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | SWICA | Mutuel |
|---|---|---|
| Family doctor | CHF 645.80 | CHF 667.80 |
| HMO practice | CHF 661.70 | — |
| Other model | CHF 741.40 | CHF 649.40 |
| Free choice of doctor | CHF 797.20 | CHF 733.80 |
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.