SWICA or Visana in Region 2 of canton Schaffhausen?
In Region 2, Visana is CHF 181.20 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 455.20 a month, SWICA to CHF 470.30. The gap is CHF 181.20 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 433.80 a month. Moving there rather than to Visana is worth CHF 256.80 more a year. Agrisano
Where they stand in the region
SWICA ranks 8 and Visana ranks 4, out of 23 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 | Visana | Gap |
|---|---|---|---|
| 300 | CHF 553.20 | CHF 548.40 | + 4.80 |
| 500 | CHF 541.60 | CHF 541.70 | − 0.10 |
| 1'000 | CHF 512.40 | CHF 507.60 | + 4.80 |
| 1'500 | CHF 483.20 | CHF 478.40 | + 4.80 |
| 2'000 | CHF 454.10 | CHF 449.20 | + 4.90 |
| 2'500 | CHF 424.90 | CHF 420.10 | + 4.80 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | SWICA | Visana |
|---|---|---|
| Family doctor | CHF 470.30 | CHF 482.60 |
| HMO practice | CHF 473.00 | CHF 482.60 |
| Other model | CHF 520.10 | CHF 455.20 |
| Free choice of doctor | CHF 553.20 | CHF 548.40 |
How they moved in this region
Against 2025, SWICA moves by + 7.8 % and Visana by + 3.5 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.