SWICA or Mutuel in Region 1 of canton Vaud?
In Region 1, SWICA is CHF 430.80 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 581.60 a month, Mutuel to CHF 617.50. The gap is CHF 430.80 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Atupri, at CHF 570.10 a month. Moving there rather than to SWICA is worth CHF 138.00 more a year. Atupri
Where they stand in the region
SWICA ranks 7 and Mutuel ranks 15, 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 727.00 | CHF 718.00 | + 9.00 |
| 500 | CHF 715.40 | CHF 706.50 | + 8.90 |
| 1'000 | CHF 686.20 | CHF 677.50 | + 8.70 |
| 1'500 | CHF 657.00 | CHF 648.00 | + 9.00 |
| 2'000 | CHF 627.90 | CHF 619.00 | + 8.90 |
| 2'500 | CHF 598.70 | CHF 590.00 | + 8.70 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | SWICA | Mutuel |
|---|---|---|
| HMO practice | CHF 581.60 | CHF 631.90 |
| Family doctor | CHF 585.30 | CHF 653.40 |
| Other model | CHF 676.20 | CHF 617.50 |
| Free choice of doctor | CHF 727.00 | CHF 718.00 |
How they moved in this region
Against 2025, SWICA moves by + 5.1 % and Mutuel by + 3.1 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.