SWICA or Sanitas in Region 1 of canton Schaffhausen?
In Region 1, SWICA is CHF 140.40 a year cheaper than Sanitas 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 511.00 a month, Sanitas to CHF 522.70. The gap is CHF 140.40 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is ÖKK, at CHF 480.30 a month. Moving there rather than to SWICA is worth CHF 368.40 more a year. ÖKK
Where they stand in the region
SWICA ranks 11 and Sanitas ranks 15, out of 23 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 | Sanitas | Gap |
|---|---|---|---|
| 300 | CHF 601.10 | CHF 600.80 | + 0.30 |
| 500 | CHF 589.50 | CHF 589.20 | + 0.30 |
| 1'000 | CHF 560.30 | CHF 560.00 | + 0.30 |
| 1'500 | CHF 531.10 | CHF 530.80 | + 0.30 |
| 2'000 | CHF 502.00 | CHF 501.70 | + 0.30 |
| 2'500 | CHF 472.80 | CHF 472.50 | + 0.30 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | SWICA | Sanitas |
|---|---|---|
| Family doctor | CHF 511.00 | CHF 522.70 |
| HMO practice | CHF 514.00 | CHF 546.80 |
| Other model | CHF 565.10 | CHF 540.80 |
| Free choice of doctor | CHF 601.10 | CHF 600.80 |
How they moved in this region
Against 2025, SWICA moves by + 7.8 % and Sanitas by + 4.5 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.