SWICA or Visana?
Basic benefits are identical at SWICA and Visana — the law requires it. Only the price differs, and it differs from canton to canton. Here is where each one wins.
SWICA is cheaper in 23 of 42 premium regions.
On average, SWICA costs CHF 104 less per year.
Adult, CHF 300 deductible, accident cover included. Each insurer’s lowest premium, across all models.
Region by region
| Canton | Region | SWICA | Visana | Monthly gap |
|---|---|---|---|---|
| Aargau | single | CHF 503.80 | CHF 494.00 | +CHF 9.80 |
| Appenzell Innerrhoden | single | CHF 387.20 | CHF 404.50 | CHF -17.30 |
| Appenzell Ausserrhoden | single | CHF 454.60 | CHF 472.40 | CHF -17.80 |
| Bern | 1 | CHF 582.70 | CHF 540.10 | +CHF 42.60 |
| Bern | 2 | CHF 512.40 | CHF 493.60 | +CHF 18.80 |
| Bern | 3 | CHF 485.90 | CHF 465.50 | +CHF 20.40 |
| Basel-Landschaft | 1 | CHF 570.10 | CHF 592.60 | CHF -22.50 |
| Basel-Landschaft | 2 | CHF 538.30 | CHF 525.50 | +CHF 12.80 |
| Basel-Stadt | single | CHF 593.90 | CHF 630.40 | CHF -36.50 |
| Fribourg | 1 | CHF 513.10 | CHF 508.60 | +CHF 4.50 |
| Fribourg | 2 | CHF 480.90 | CHF 465.20 | +CHF 15.70 |
| Geneva | single | CHF 632.10 | CHF 688.40 | CHF -56.30 |
| Glarus | single | CHF 447.10 | CHF 452.80 | CHF -5.70 |
| Grisons | 1 | CHF 492.50 | CHF 514.60 | CHF -22.10 |
| Grisons | 2 | CHF 450.00 | CHF 484.30 | CHF -34.30 |
| Grisons | 3 | CHF 450.90 | CHF 445.90 | +CHF 5.00 |
| Jura | single | CHF 615.60 | CHF 552.30 | +CHF 63.30 |
| Lucerne | 1 | CHF 496.70 | CHF 529.70 | CHF -33.00 |
| Lucerne | 2 | CHF 476.60 | CHF 485.30 | CHF -8.70 |
| Lucerne | 3 | CHF 437.40 | CHF 485.30 | CHF -47.90 |
| Neuchâtel | single | CHF 562.20 | CHF 554.20 | +CHF 8.00 |
| Nidwalden | single | CHF 413.40 | CHF 416.80 | CHF -3.40 |
| Obwalden | single | CHF 420.70 | CHF 421.20 | CHF -0.50 |
| St. Gallen | 1 | CHF 482.90 | CHF 541.30 | CHF -58.40 |
| St. Gallen | 2 | CHF 450.10 | CHF 514.30 | CHF -64.20 |
| St. Gallen | 3 | CHF 431.30 | CHF 505.00 | CHF -73.70 |
| Schaffhausen | 1 | CHF 511.00 | CHF 500.80 | +CHF 10.20 |
| Schaffhausen | 2 | CHF 470.30 | CHF 455.20 | +CHF 15.10 |
| Solothurn | single | CHF 538.60 | CHF 493.00 | +CHF 45.60 |
| Schwyz | single | CHF 486.00 | CHF 485.40 | +CHF 0.60 |
| Thurgau | single | CHF 468.80 | CHF 504.60 | CHF -35.80 |
| Ticino | 1 | CHF 669.50 | CHF 683.80 | CHF -14.30 |
| Ticino | 2 | CHF 645.80 | CHF 677.00 | CHF -31.20 |
| Uri | single | CHF 411.90 | CHF 411.00 | +CHF 0.90 |
| Vaud | 1 | CHF 581.60 | CHF 605.20 | CHF -23.60 |
| Vaud | 2 | CHF 558.80 | CHF 580.90 | CHF -22.10 |
| Valais | 1 | CHF 493.80 | CHF 488.30 | +CHF 5.50 |
| Valais | 2 | CHF 448.40 | CHF 456.60 | CHF -8.20 |
| Zug | single | CHF 361.60 | CHF 340.70 | +CHF 20.90 |
| Zurich | 1 | CHF 553.70 | CHF 580.90 | CHF -27.20 |
| Zurich | 2 | CHF 497.10 | CHF 495.50 | +CHF 1.60 |
| Zurich | 3 | CHF 463.40 | CHF 462.70 | +CHF 0.70 |
A premium gap says nothing about service quality, reimbursement times or how easy it is to reach someone. Those things are not published, and we will not invent them.