SWICA or Mutuel in Region 1 of canton Zurich?
In Region 1, Mutuel is CHF 2.40 a year cheaper than SWICA for an adult on the same profile. Here is the detail — and what a third insurer would do.
The verdict, in this region
Mutuel comes down to CHF 553.50 a month, SWICA to CHF 553.70. The gap is CHF 2.40 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Atupri, at CHF 517.70 a month. Moving there rather than to Mutuel is worth CHF 429.60 more a year. Atupri
Where they stand in the region
SWICA ranks 12 and Mutuel ranks 11, out of 27 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 653.30 | CHF 639.80 | + 13.50 |
| 500 | CHF 641.70 | CHF 628.30 | + 13.40 |
| 1'000 | CHF 612.50 | CHF 599.30 | + 13.20 |
| 1'500 | CHF 583.30 | CHF 569.80 | + 13.50 |
| 2'000 | CHF 554.20 | CHF 540.80 | + 13.40 |
| 2'500 | CHF 525.00 | CHF 511.80 | + 13.20 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | SWICA | Mutuel |
|---|---|---|
| Family doctor | CHF 553.70 | CHF 582.30 |
| HMO practice | CHF 553.70 | CHF 563.10 |
| Other model | CHF 589.70 | CHF 553.50 |
| Free choice of doctor | CHF 653.30 | CHF 639.80 |
How they moved in this region
Against 2025, SWICA moves by + 5.0 % and Mutuel by + 3.6 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.