SWICA or Sanitas in Region 3 of canton Zurich?
In Region 3, Sanitas is CHF 144.00 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 451.40 a month, SWICA to CHF 463.40. The gap is CHF 144.00 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 427.80 a month. Moving there rather than to Sanitas is worth CHF 283.20 more a year. Agrisano
Where they stand in the region
SWICA ranks 11 and Sanitas ranks 4, 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 543.50 | CHF 524.80 | + 18.70 |
| 500 | CHF 531.90 | CHF 513.20 | + 18.70 |
| 1'000 | CHF 502.70 | CHF 484.00 | + 18.70 |
| 1'500 | CHF 473.50 | CHF 454.80 | + 18.70 |
| 2'000 | CHF 444.40 | CHF 425.70 | + 18.70 |
| 2'500 | CHF 415.20 | CHF 396.50 | + 18.70 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | SWICA | Sanitas |
|---|---|---|
| Family doctor | CHF 463.40 | CHF 456.60 |
| HMO practice | CHF 467.50 | CHF 477.60 |
| Other model | CHF 498.70 | CHF 451.40 |
| Free choice of doctor | CHF 543.50 | CHF 524.80 |
How they moved in this region
Against 2025, SWICA moves by + 5.7 % and Sanitas by + 4.3 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.