SWICA or Sanitas in Region 2 of canton Ticino?
In Region 2, Sanitas is CHF 717.00 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 586.05 a month, SWICA to CHF 645.80. The gap is CHF 717.00 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 539.00 a month. Moving there rather than to Sanitas is worth CHF 564.60 more a year. Agrisano
Where they stand in the region
SWICA ranks 17 and Sanitas ranks 11, 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.
| Deductible | SWICA | Sanitas | Gap |
|---|---|---|---|
| 300 | CHF 797.20 | CHF 673.60 | + 123.60 |
| 500 | CHF 785.60 | CHF 662.00 | + 123.60 |
| 1'000 | CHF 756.40 | CHF 632.80 | + 123.60 |
| 1'500 | CHF 727.20 | CHF 603.60 | + 123.60 |
| 2'000 | CHF 698.10 | CHF 574.50 | + 123.60 |
| 2'500 | CHF 668.90 | CHF 545.30 | + 123.60 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | SWICA | Sanitas |
|---|---|---|
| Family doctor | CHF 645.80 | CHF 586.05 |
| HMO practice | CHF 661.70 | CHF 613.00 |
| Other model | CHF 741.40 | CHF 606.30 |
| Free choice of doctor | CHF 797.20 | CHF 673.60 |
How they moved in this region
Against 2025, SWICA moves by + 7.5 % and Sanitas by + 5.1 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.