SWICA — Region 1 of canton Zurich, 2026 premiums
SWICA covers the 1 municipalities of Region 1 in canton Zurich. Its lowest adult premium here is CHF 395.60 a month, with a 300-franc deductible and accident cover included.
Where it stands in this region
SWICA ranks 12 out of 27 active insurers in Region 1, cheapest to dearest.
The regional average across insurers is CHF 566.23 a month.
What staying costs
Moving from SWICA to Atupri, the cheapest insurer in this region, saves CHF 432.00 a year for an adult on the same profile.
The full SWICA table
320 official rates for this region. Each cell gives the lowest price for that model at that deductible, accident cover included.
Adults From age 26.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 653.30 | CHF 553.70 | CHF 553.70 | CHF 589.70 |
| 500 | CHF 641.70 | CHF 542.10 | CHF 542.10 | CHF 578.00 |
| 1'000 | CHF 612.50 | CHF 519.40 | CHF 519.40 | CHF 555.40 |
| 1'500 | CHF 583.30 | CHF 490.30 | CHF 490.30 | CHF 526.20 |
| 2'000 | CHF 554.20 | CHF 454.60 | CHF 454.60 | CHF 497.00 |
| 2'500 | CHF 525.00 | CHF 425.40 | CHF 425.40 | CHF 467.90 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 490.00 | CHF 425.10 | CHF 434.90 | CHF 457.00 |
| 500 | CHF 478.40 | CHF 413.50 | CHF 423.30 | CHF 445.30 |
| 1'000 | CHF 449.20 | CHF 389.20 | CHF 406.30 | CHF 416.10 |
| 1'500 | CHF 420.00 | CHF 360.00 | CHF 377.20 | CHF 387.00 |
| 2'000 | CHF 390.90 | CHF 326.00 | CHF 338.20 | CHF 357.80 |
| 2'500 | CHF 361.70 | CHF 296.80 | CHF 309.00 | CHF 328.60 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 0 | CHF 65.40 | CHF 58.70 | CHF 62.70 | CHF 65.40 |
| 200 | CHF 53.80 | CHF 48.40 | CHF 52.30 | CHF 53.80 |
| 400 | CHF 42.10 | CHF 36.70 | CHF 40.60 | CHF 42.10 |
| 600 | CHF 35.20 | CHF 35.20 | CHF 35.20 | CHF 35.20 |
With or without accident cover
With accident cover: CHF 653.30 a month. Without: CHF 607.60. Dropping it saves CHF 548.40 a year — but only if your employer already insures accidents, which requires at least eight hours of work a week.
Every other figure on this page includes accident cover.
Compared with last year
In this region the insurer’s lowest premium goes from CHF 527.10 in 2025 to CHF 395.60 — a rise of 5.0 %.
The 1 municipalities in this region
They all pay exactly the same rate: under basic insurance the premium belongs to Region 1 of canton Zurich, not to the municipality.
The other insurers in Region 1
27 insurers offer premiums in this region. Lowest adult premium, 300-franc deductible, accident cover included.
| Insurer | From | |
|---|---|---|
| Atupri | CHF 517.70 | View |
| Assura-Basis | CHF 522.80 | View |
| Vivao Sympany | CHF 527.90 | View |
| CSS | CHF 530.60 | View |
| SLKK | CHF 532.60 | View |
| Sanitas | CHF 532.70 | View |
| Helsana | CHF 533.60 | View |
| Avenir | CHF 540.20 | View |
| KPT | CHF 543.80 | View |
| CONCORDIA | CHF 544.00 | View |
| Mutuel | CHF 553.50 | View |
| ÖKK | CHF 556.30 | View |
| sana24 | CHF 561.10 | View |
| Sumiswalder | CHF 561.50 | View |
| EGK | CHF 571.30 | View |
| Aquilana | CHF 572.00 | View |
| Luzerner Hinterland | CHF 573.95 | View |
| Wädenswil | CHF 578.50 | View |
| Agrisano | CHF 579.00 | View |
| Visana | CHF 580.90 | View |
| Steffisburg | CHF 582.20 | View |
| Philos | CHF 593.50 | View |
| rhenusana | CHF 600.00 | View |
| Galenos | CHF 628.50 | View |
| vita surselva | CHF 633.65 | View |
| Einsiedler | CHF 682.75 | View |
Source: Federal Office of Public Health (FOPH), official premiums.