SWICA or ÖKK?
Basic benefits are identical at SWICA and ÖKK — the law requires it. Only the price differs, and it differs from canton to canton. Here is where each one wins.
ÖKK is cheaper in 24 of 42 premium regions.
On average, ÖKK costs CHF 67 less per year.
Adult, CHF 300 deductible, accident cover included. Each insurer’s lowest premium, across all models.
Region by region
| Canton | Region | SWICA | ÖKK | Monthly gap |
|---|---|---|---|---|
| Aargau | single | CHF 503.80 | CHF 500.30 | +CHF 3.50 |
| Appenzell Innerrhoden | single | CHF 387.20 | CHF 367.20 | +CHF 20.00 |
| Appenzell Ausserrhoden | single | CHF 454.60 | CHF 436.80 | +CHF 17.80 |
| Bern | 1 | CHF 582.70 | CHF 585.20 | CHF -2.50 |
| Bern | 2 | CHF 512.40 | CHF 503.40 | +CHF 9.00 |
| Bern | 3 | CHF 485.90 | CHF 477.00 | +CHF 8.90 |
| Basel-Landschaft | 1 | CHF 570.10 | CHF 560.70 | +CHF 9.40 |
| Basel-Landschaft | 2 | CHF 538.30 | CHF 520.70 | +CHF 17.60 |
| Basel-Stadt | single | CHF 593.90 | CHF 610.80 | CHF -16.90 |
| Fribourg | 1 | CHF 513.10 | CHF 520.20 | CHF -7.10 |
| Fribourg | 2 | CHF 480.90 | CHF 477.90 | +CHF 3.00 |
| Geneva | single | CHF 632.10 | CHF 656.80 | CHF -24.70 |
| Glarus | single | CHF 447.10 | CHF 477.00 | CHF -29.90 |
| Grisons | 1 | CHF 492.50 | CHF 463.50 | +CHF 29.00 |
| Grisons | 2 | CHF 450.00 | CHF 435.60 | +CHF 14.40 |
| Grisons | 3 | CHF 450.90 | CHF 425.70 | +CHF 25.20 |
| Jura | single | CHF 615.60 | CHF 601.30 | +CHF 14.30 |
| Lucerne | 1 | CHF 496.70 | CHF 481.40 | +CHF 15.30 |
| Lucerne | 2 | CHF 476.60 | CHF 458.50 | +CHF 18.10 |
| Lucerne | 3 | CHF 437.40 | CHF 446.20 | CHF -8.80 |
| Neuchâtel | single | CHF 562.20 | CHF 607.50 | CHF -45.30 |
| Nidwalden | single | CHF 413.40 | CHF 427.20 | CHF -13.80 |
| Obwalden | single | CHF 420.70 | CHF 427.20 | CHF -6.50 |
| St. Gallen | 1 | CHF 482.90 | CHF 485.80 | CHF -2.90 |
| St. Gallen | 2 | CHF 450.10 | CHF 455.90 | CHF -5.80 |
| St. Gallen | 3 | CHF 431.30 | CHF 447.10 | CHF -15.80 |
| Schaffhausen | 1 | CHF 511.00 | CHF 480.30 | +CHF 30.70 |
| Schaffhausen | 2 | CHF 470.30 | CHF 448.10 | +CHF 22.20 |
| Solothurn | single | CHF 538.60 | CHF 514.20 | +CHF 24.40 |
| Schwyz | single | CHF 486.00 | CHF 441.80 | +CHF 44.20 |
| Thurgau | single | CHF 468.80 | CHF 464.70 | +CHF 4.10 |
| Ticino | 1 | CHF 669.50 | CHF 637.80 | +CHF 31.70 |
| Ticino | 2 | CHF 645.80 | CHF 574.20 | +CHF 71.60 |
| Uri | single | CHF 411.90 | CHF 413.30 | CHF -1.40 |
| Vaud | 1 | CHF 581.60 | CHF 594.00 | CHF -12.40 |
| Vaud | 2 | CHF 558.80 | CHF 567.00 | CHF -8.20 |
| Valais | 1 | CHF 493.80 | CHF 499.50 | CHF -5.70 |
| Valais | 2 | CHF 448.40 | CHF 432.00 | +CHF 16.40 |
| Zug | single | CHF 361.60 | CHF 379.40 | CHF -17.80 |
| Zurich | 1 | CHF 553.70 | CHF 556.30 | CHF -2.60 |
| Zurich | 2 | CHF 497.10 | CHF 496.70 | +CHF 0.40 |
| Zurich | 3 | CHF 463.40 | CHF 453.10 | +CHF 10.30 |
A premium gap says nothing about service quality, reimbursement times or how easy it is to reach someone. Those things are not published, and we will not invent them.