SWICA or ÖKK in Region 2 of canton Ticino?
In Region 2, ÖKK is CHF 859.20 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
ÖKK comes down to CHF 574.20 a month, SWICA to CHF 645.80. The gap is CHF 859.20 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 539.00 a month. Moving there rather than to ÖKK is worth CHF 422.40 more a year. Agrisano
Where they stand in the region
SWICA ranks 17 and ÖKK ranks 6, 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 | ÖKK | Gap |
|---|---|---|---|
| 300 | CHF 797.20 | CHF 660.00 | + 137.20 |
| 500 | CHF 785.60 | CHF 648.40 | + 137.20 |
| 1'000 | CHF 756.40 | CHF 619.20 | + 137.20 |
| 1'500 | CHF 727.20 | CHF 590.00 | + 137.20 |
| 2'000 | CHF 698.10 | CHF 560.90 | + 137.20 |
| 2'500 | CHF 668.90 | CHF 531.70 | + 137.20 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | SWICA | ÖKK |
|---|---|---|
| Family doctor | CHF 645.80 | CHF 594.00 |
| HMO practice | CHF 661.70 | CHF 574.20 |
| Other model | CHF 741.40 | CHF 603.90 |
| Free choice of doctor | CHF 797.20 | CHF 660.00 |
How they moved in this region
Against 2025, SWICA moves by + 7.5 % and ÖKK by + 7.3 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.