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SWICA or ÖKK in Region 1 of canton Zurich?

In Region 1, SWICA is CHF 31.20 a year cheaper than ÖKK 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 553.70 a month, ÖKK to CHF 556.30. The gap is CHF 31.20 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 SWICA is worth CHF 432.00 more a year. Atupri

Where they stand in the region

SWICA ranks 12 and ÖKK ranks 13, 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.

DeductibleSWICAÖKKGap
300CHF 653.30CHF 625.00+ 28.30
500CHF 641.70CHF 613.40+ 28.30
1'000CHF 612.50CHF 584.20+ 28.30
1'500CHF 583.30CHF 555.00+ 28.30
2'000CHF 554.20CHF 525.90+ 28.30
2'500CHF 525.00CHF 496.70+ 28.30

Model by model

Each insurer’s lowest rate in each model type, 300-franc deductible.

ModelSWICAÖKK
Family doctorCHF 553.70CHF 562.50
HMO practiceCHF 553.70CHF 556.30
Other modelCHF 589.70CHF 571.90
Free choice of doctorCHF 653.30CHF 625.00

How they moved in this region

Against 2025, SWICA moves by + 5.0 % and ÖKK by + 5.2 % in this region.

SWICA, ÖKK, or another?

The comparator works out your actual premium across all 34 insurers at once, from your age, deductible and municipality.

Source: Federal Office of Public Health (FOPH), official premiums.