SWICA or Visana in Region 1 of canton Zurich?

In Region 1, SWICA is CHF 326.40 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 553.70 a month, Visana to CHF 580.90. The gap is CHF 326.40 a year, 300-franc deductible, accident cover included.

Neither is the cheapest here: that is Atupri, at CHF 517.70 a month. Moving there rather than to SWICA is worth CHF 432.00 more a year. Atupri

SWICA ranks 12 and Visana ranks 21, out of 27 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 653.30	CHF 708.30	− 55.00
500	CHF 641.70	CHF 701.60	− 59.90
1'000	CHF 612.50	CHF 667.50	− 55.00
1'500	CHF 583.30	CHF 638.30	− 55.00
2'000	CHF 554.20	CHF 609.10	− 54.90
2'500	CHF 525.00	CHF 580.00	− 55.00

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

Against 2025, SWICA moves by + 5.0 % and Visana by + 3.7 % in this region.

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