SWICA or Sanitas in Region 1 of canton Zurich?
In Region 1, Sanitas is CHF 252.00 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 532.70 a month, SWICA to CHF 553.70. The gap is CHF 252.00 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Atupri, at CHF 517.70 a month. Moving there rather than to Sanitas is worth CHF 180.00 more a year. Atupri
Where they stand in the region
SWICA ranks 12 and Sanitas ranks 6, out of 27 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 653.30 | CHF 619.40 | + 33.90 |
| 500 | CHF 641.70 | CHF 607.80 | + 33.90 |
| 1'000 | CHF 612.50 | CHF 578.60 | + 33.90 |
| 1'500 | CHF 583.30 | CHF 549.40 | + 33.90 |
| 2'000 | CHF 554.20 | CHF 520.30 | + 33.90 |
| 2'500 | CHF 525.00 | CHF 491.10 | + 33.90 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | SWICA | Sanitas |
|---|---|---|
| Family doctor | CHF 553.70 | CHF 538.90 |
| HMO practice | CHF 553.70 | CHF 563.70 |
| Other model | CHF 589.70 | CHF 532.70 |
| Free choice of doctor | CHF 653.30 | CHF 619.40 |
How they moved in this region
Against 2025, SWICA moves by + 5.0 % and Sanitas by + 3.2 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.