SWICA or Sanitas?
Basic benefits are identical at SWICA and Sanitas — the law requires it. Only the price differs, and it differs from canton to canton. Here is where each one wins.
Sanitas is cheaper in 28 of 42 premium regions.
On average, Sanitas costs CHF 94 less per year.
Adult, CHF 300 deductible, accident cover included. Each insurer’s lowest premium, across all models.
Region by region
| Canton | Region | SWICA | Sanitas | Monthly gap |
|---|---|---|---|---|
| Aargau | single | CHF 503.80 | CHF 478.75 | +CHF 25.05 |
| Appenzell Innerrhoden | single | CHF 387.20 | CHF 378.30 | +CHF 8.90 |
| Appenzell Ausserrhoden | single | CHF 454.60 | CHF 448.65 | +CHF 5.95 |
| Bern | 1 | CHF 582.70 | CHF 552.30 | +CHF 30.40 |
| Bern | 2 | CHF 512.40 | CHF 545.30 | CHF -32.90 |
| Bern | 3 | CHF 485.90 | CHF 495.45 | CHF -9.55 |
| Basel-Landschaft | 1 | CHF 570.10 | CHF 558.30 | +CHF 11.80 |
| Basel-Landschaft | 2 | CHF 538.30 | CHF 556.30 | CHF -18.00 |
| Basel-Stadt | single | CHF 593.90 | CHF 598.40 | CHF -4.50 |
| Fribourg | 1 | CHF 513.10 | CHF 503.75 | +CHF 9.35 |
| Fribourg | 2 | CHF 480.90 | CHF 501.10 | CHF -20.20 |
| Geneva | single | CHF 632.10 | CHF 609.30 | +CHF 22.80 |
| Glarus | single | CHF 447.10 | CHF 455.60 | CHF -8.50 |
| Grisons | 1 | CHF 492.50 | CHF 453.60 | +CHF 38.90 |
| Grisons | 2 | CHF 450.00 | CHF 448.30 | +CHF 1.70 |
| Grisons | 3 | CHF 450.90 | CHF 434.75 | +CHF 16.15 |
| Jura | single | CHF 615.60 | CHF 570.45 | +CHF 45.15 |
| Lucerne | 1 | CHF 496.70 | CHF 461.60 | +CHF 35.10 |
| Lucerne | 2 | CHF 476.60 | CHF 443.60 | +CHF 33.00 |
| Lucerne | 3 | CHF 437.40 | CHF 429.50 | +CHF 7.90 |
| Neuchâtel | single | CHF 562.20 | CHF 576.60 | CHF -14.40 |
| Nidwalden | single | CHF 413.40 | CHF 413.70 | CHF -0.30 |
| Obwalden | single | CHF 420.70 | CHF 418.20 | +CHF 2.50 |
| St. Gallen | 1 | CHF 482.90 | CHF 479.65 | +CHF 3.25 |
| St. Gallen | 2 | CHF 450.10 | CHF 457.30 | CHF -7.20 |
| St. Gallen | 3 | CHF 431.30 | CHF 445.80 | CHF -14.50 |
| Schaffhausen | 1 | CHF 511.00 | CHF 522.70 | CHF -11.70 |
| Schaffhausen | 2 | CHF 470.30 | CHF 484.35 | CHF -14.05 |
| Solothurn | single | CHF 538.60 | CHF 518.15 | +CHF 20.45 |
| Schwyz | single | CHF 486.00 | CHF 456.75 | +CHF 29.25 |
| Thurgau | single | CHF 468.80 | CHF 463.20 | +CHF 5.60 |
| Ticino | 1 | CHF 669.50 | CHF 624.80 | +CHF 44.70 |
| Ticino | 2 | CHF 645.80 | CHF 586.05 | +CHF 59.75 |
| Uri | single | CHF 411.90 | CHF 404.10 | +CHF 7.80 |
| Vaud | 1 | CHF 581.60 | CHF 571.00 | +CHF 10.60 |
| Vaud | 2 | CHF 558.80 | CHF 561.60 | CHF -2.80 |
| Valais | 1 | CHF 493.80 | CHF 487.10 | +CHF 6.70 |
| Valais | 2 | CHF 448.40 | CHF 492.40 | CHF -44.00 |
| Zug | single | CHF 361.60 | CHF 354.20 | +CHF 7.40 |
| Zurich | 1 | CHF 553.70 | CHF 532.70 | +CHF 21.00 |
| Zurich | 2 | CHF 497.10 | CHF 488.40 | +CHF 8.70 |
| Zurich | 3 | CHF 463.40 | CHF 451.40 | +CHF 12.00 |
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.