SWICA or ÖKK in Region 2 of canton Zurich?
In Region 2, ÖKK is CHF 4.80 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 496.70 a month, SWICA to CHF 497.10. The gap is CHF 4.80 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 ÖKK is worth CHF 345.60 more a year. Agrisano
Where they stand in the region
SWICA ranks 12 and ÖKK ranks 11, 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 | ÖKK | Gap |
|---|---|---|---|
| 300 | CHF 583.10 | CHF 558.00 | + 25.10 |
| 500 | CHF 571.50 | CHF 546.40 | + 25.10 |
| 1'000 | CHF 542.30 | CHF 517.20 | + 25.10 |
| 1'500 | CHF 513.10 | CHF 488.00 | + 25.10 |
| 2'000 | CHF 484.00 | CHF 458.90 | + 25.10 |
| 2'500 | CHF 454.80 | CHF 429.70 | + 25.10 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | SWICA | ÖKK |
|---|---|---|
| Family doctor | CHF 497.10 | CHF 502.20 |
| HMO practice | CHF 501.50 | CHF 496.70 |
| Other model | CHF 535.00 | CHF 510.60 |
| Free choice of doctor | CHF 583.10 | CHF 558.00 |
How they moved in this region
Against 2025, SWICA moves by + 5.0 % and ÖKK by + 6.7 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.