SWICA or Mutuel in Region 2 of canton Zurich?
In Region 2, SWICA is CHF 410.40 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 497.10 a month, Mutuel to CHF 531.30. The gap is CHF 410.40 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 467.90 a month. Moving there rather than to SWICA is worth CHF 350.40 more a year. Agrisano
Where they stand in the region
SWICA ranks 12 and Mutuel ranks 23, 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 583.10 | CHF 614.30 | − 31.20 |
| 500 | CHF 571.50 | CHF 602.80 | − 31.30 |
| 1'000 | CHF 542.30 | CHF 573.80 | − 31.50 |
| 1'500 | CHF 513.10 | CHF 544.30 | − 31.20 |
| 2'000 | CHF 484.00 | CHF 515.30 | − 31.30 |
| 2'500 | CHF 454.80 | CHF 486.30 | − 31.50 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | SWICA | Mutuel |
|---|---|---|
| Family doctor | CHF 497.10 | CHF 559.00 |
| HMO practice | CHF 501.50 | CHF 540.60 |
| Other model | CHF 535.00 | CHF 531.30 |
| Free choice of doctor | CHF 583.10 | CHF 614.30 |
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.