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SWICA or ÖKK in Region 3 of canton Zurich?

In Region 3, ÖKK is CHF 123.60 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 453.10 a month, SWICA to CHF 463.40. The gap is CHF 123.60 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 ÖKK is worth CHF 303.60 more a year. Agrisano

Where they stand in the region

SWICA ranks 11 and ÖKK ranks 6, 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 543.50CHF 509.00+ 34.50
500CHF 531.90CHF 497.40+ 34.50
1'000CHF 502.70CHF 468.20+ 34.50
1'500CHF 473.50CHF 439.00+ 34.50
2'000CHF 444.40CHF 409.90+ 34.50
2'500CHF 415.20CHF 380.70+ 34.50

Model by model

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

ModelSWICAÖKK
Family doctorCHF 463.40CHF 458.10
HMO practiceCHF 467.50CHF 453.10
Other modelCHF 498.70CHF 465.80
Free choice of doctorCHF 543.50CHF 509.00

How they moved in this region

Against 2025, SWICA moves by + 5.7 % and ÖKK by + 6.7 % 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.