SWICA or Visana in Region 1 of canton Schaffhausen?

In Region 1, Visana is CHF 122.40 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

Visana comes down to CHF 500.80 a month, SWICA to CHF 511.00. The gap is CHF 122.40 a year, 300-franc deductible, accident cover included.

Neither is the cheapest here: that is ÖKK, at CHF 480.30 a month. Moving there rather than to Visana is worth CHF 246.00 more a year. ÖKK

SWICA ranks 11 and Visana ranks 6, out of 23 active insurers in this region.

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	Visana	Gap
300	CHF 601.10	CHF 603.30	− 2.20
500	CHF 589.50	CHF 596.60	− 7.10
1'000	CHF 560.30	CHF 562.50	− 2.20
1'500	CHF 531.10	CHF 533.30	− 2.20
2'000	CHF 502.00	CHF 504.10	− 2.10
2'500	CHF 472.80	CHF 475.00	− 2.20

Each insurer’s lowest rate in each model type, 300-franc deductible.

Against 2025, SWICA moves by + 7.8 % and Visana by + 3.5 % in this region.

Source: Federal Office of Public Health (FOPH), official premiums.