SWICA or Visana in Region 1 of canton Vaud?

In Region 1, SWICA is CHF 283.20 a year cheaper than Visana for an adult on the same profile. Here is the detail — and what a third insurer would do.

The verdict, in this region

SWICA comes down to CHF 581.60 a month, Visana to CHF 605.20. The gap is CHF 283.20 a year, 300-franc deductible, accident cover included.

Neither is the cheapest here: that is Atupri, at CHF 570.10 a month. Moving there rather than to SWICA is worth CHF 138.00 more a year. Atupri

SWICA ranks 7 and Visana ranks 14, out of 21 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 727.00	CHF 729.10	− 2.10
500	CHF 715.40	CHF 722.40	− 7.00
1'000	CHF 686.20	CHF 688.30	− 2.10
1'500	CHF 657.00	CHF 659.10	− 2.10
2'000	CHF 627.90	CHF 629.90	− 2.00
2'500	CHF 598.70	CHF 600.80	− 2.10

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

Against 2025, SWICA moves by + 5.1 % and Visana by + 3.0 % in this region.

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