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SWICA or Sanitas in Region 1 of canton Ticino?

In Region 1, Sanitas is CHF 536.40 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

Sanitas comes down to CHF 624.80 a month, SWICA to CHF 669.50. The gap is CHF 536.40 a year, 300-franc deductible, accident cover included.

What the question hides

Neither is the cheapest here: that is Agrisano, at CHF 583.90 a month. Moving there rather than to Sanitas is worth CHF 490.80 more a year. Agrisano

Where they stand in the region

SWICA ranks 16 and Sanitas ranks 8, out of 21 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 826.50CHF 726.40+ 100.10
500CHF 814.90CHF 714.80+ 100.10
1'000CHF 785.70CHF 685.60+ 100.10
1'500CHF 756.50CHF 656.40+ 100.10
2'000CHF 727.40CHF 627.30+ 100.10
2'500CHF 698.20CHF 598.10+ 100.10

Model by model

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

ModelSWICASanitas
Family doctorCHF 669.50CHF 631.95
HMO practiceCHF 719.10CHF 661.10
Other modelCHF 768.70CHF 624.80
Free choice of doctorCHF 826.50CHF 726.40

How they moved in this region

Against 2025, SWICA moves by + 7.5 % and Sanitas by + 7.3 % 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.