SWICA or Sanitas in Region 2 of canton Zurich?
In Region 2, Sanitas is CHF 104.40 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 488.40 a month, SWICA to CHF 497.10. The gap is CHF 104.40 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 467.90 a month. Moving there rather than to Sanitas is worth CHF 246.00 more a year. Agrisano
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 583.10 | CHF 567.80 | + 15.30 |
| 500 | CHF 571.50 | CHF 556.20 | + 15.30 |
| 1'000 | CHF 542.30 | CHF 527.00 | + 15.30 |
| 1'500 | CHF 513.10 | CHF 497.80 | + 15.30 |
| 2'000 | CHF 484.00 | CHF 468.70 | + 15.30 |
| 2'500 | CHF 454.80 | CHF 439.50 | + 15.30 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | SWICA | Sanitas |
|---|---|---|
| Family doctor | CHF 497.10 | CHF 494.00 |
| HMO practice | CHF 501.50 | CHF 516.70 |
| Other model | CHF 535.00 | CHF 488.40 |
| Free choice of doctor | CHF 583.10 | CHF 567.80 |
How they moved in this region
Against 2025, SWICA moves by + 5.0 % and Sanitas by + 3.8 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.