SWICA or Visana in Region 2 of canton Zurich?

In Region 2, Visana is CHF 19.20 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 495.50 a month, SWICA to CHF 497.10. The gap is CHF 19.20 a year, 300-franc deductible, accident cover included.

Neither is the cheapest here: that is Agrisano, at CHF 467.90 a month. Moving there rather than to Visana is worth CHF 331.20 more a year. Agrisano

SWICA ranks 12 and Visana ranks 9, 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 583.10	CHF 611.60	− 28.50
500	CHF 571.50	CHF 604.90	− 33.40
1'000	CHF 542.30	CHF 570.80	− 28.50
1'500	CHF 513.10	CHF 541.60	− 28.50
2'000	CHF 484.00	CHF 512.40	− 28.40
2'500	CHF 454.80	CHF 483.30	− 28.50

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.