SWICA or Visana in Region 3 of canton Zurich?

In Region 3, Visana is CHF 8.40 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 462.70 a month, SWICA to CHF 463.40. The gap is CHF 8.40 a year, 300-franc deductible, accident cover included.

Neither is the cheapest here: that is Agrisano, at CHF 427.80 a month. Moving there rather than to Visana is worth CHF 418.80 more a year. Agrisano

SWICA ranks 11 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 543.50	CHF 571.10	− 27.60
500	CHF 531.90	CHF 564.40	− 32.50
1'000	CHF 502.70	CHF 530.30	− 27.60
1'500	CHF 473.50	CHF 501.10	− 27.60
2'000	CHF 444.40	CHF 471.90	− 27.50
2'500	CHF 415.20	CHF 442.80	− 27.60

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

Against 2025, SWICA moves by + 5.7 % and Visana by + 3.7 % in this region.

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