SWICA or Mutuel in Region 2 of canton Vaud?
In Region 2, SWICA is CHF 260.40 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 558.80 a month, Mutuel to CHF 580.50. The gap is CHF 260.40 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Assura-Basis, at CHF 537.30 a month. Moving there rather than to SWICA is worth CHF 258.00 more a year. Assura-Basis
Where they stand in the region
SWICA ranks 9 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 698.50 | CHF 675.00 | + 23.50 |
| 500 | CHF 686.90 | CHF 663.50 | + 23.40 |
| 1'000 | CHF 657.70 | CHF 634.50 | + 23.20 |
| 1'500 | CHF 628.50 | CHF 605.00 | + 23.50 |
| 2'000 | CHF 599.40 | CHF 576.00 | + 23.40 |
| 2'500 | CHF 570.20 | CHF 547.00 | + 23.20 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | SWICA | Mutuel |
|---|---|---|
| HMO practice | CHF 558.80 | CHF 594.00 |
| Family doctor | CHF 562.30 | CHF 614.20 |
| Other model | CHF 649.70 | CHF 580.50 |
| Free choice of doctor | CHF 698.50 | CHF 675.00 |
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.