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SWICA or Sanitas in Region 2 of canton Schaffhausen?

In Region 2, SWICA is CHF 168.60 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 470.30 a month, Sanitas to CHF 484.35. The gap is CHF 168.60 a year, 300-franc deductible, accident cover included.

What the question hides

Neither is the cheapest here: that is Agrisano, at CHF 433.80 a month. Moving there rather than to SWICA is worth CHF 438.00 more a year. Agrisano

Where they stand in the region

SWICA ranks 8 and Sanitas ranks 10, 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.

DeductibleSWICASanitasGap
300CHF 553.20CHF 556.70− 3.50
500CHF 541.60CHF 545.10− 3.50
1'000CHF 512.40CHF 515.90− 3.50
1'500CHF 483.20CHF 486.70− 3.50
2'000CHF 454.10CHF 457.60− 3.50
2'500CHF 424.90CHF 428.40− 3.50

Model by model

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

ModelSWICASanitas
Family doctorCHF 470.30CHF 484.35
HMO practiceCHF 473.00CHF 506.60
Other modelCHF 520.10CHF 501.10
Free choice of doctorCHF 553.20CHF 556.70

How they moved in this region

Against 2025, SWICA moves by + 7.8 % and Sanitas by + 4.5 % in this region.

SWICA, Sanitas, 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.