SWICA or Mutuel in Region 3 of canton Zurich?
In Region 3, SWICA is CHF 350.40 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 463.40 a month, Mutuel to CHF 492.60. The gap is CHF 350.40 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 427.80 a month. Moving there rather than to SWICA is worth CHF 427.20 more a year. Agrisano
Where they stand in the region
SWICA ranks 11 and Mutuel ranks 20, 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 543.50 | CHF 569.50 | − 26.00 |
| 500 | CHF 531.90 | CHF 558.00 | − 26.10 |
| 1'000 | CHF 502.70 | CHF 529.00 | − 26.30 |
| 1'500 | CHF 473.50 | CHF 499.50 | − 26.00 |
| 2'000 | CHF 444.40 | CHF 470.50 | − 26.10 |
| 2'500 | CHF 415.20 | CHF 441.50 | − 26.30 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | SWICA | Mutuel |
|---|---|---|
| Family doctor | CHF 463.40 | CHF 518.20 |
| HMO practice | CHF 467.50 | CHF 501.10 |
| Other model | CHF 498.70 | CHF 492.60 |
| Free choice of doctor | CHF 543.50 | CHF 569.50 |
How they moved in this region
Against 2025, SWICA moves by + 5.7 % and Mutuel by + 3.6 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.