SWICA — Region 3 of canton Zurich, 2026 premiums
SWICA covers the 122 municipalities of Region 3 in canton Zurich. Its lowest adult premium here is CHF 311.60 a month, with a 300-franc deductible and accident cover included.
Where it stands in this region
SWICA ranks 11 out of 27 active insurers in Region 3, cheapest to dearest.
The regional average across insurers is CHF 476.41 a month.
What staying costs
Moving from SWICA to Agrisano, the cheapest insurer in this region, saves CHF 427.20 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 543.50 | CHF 463.40 | CHF 467.50 | CHF 498.70 |
| 500 | CHF 531.90 | CHF 451.70 | CHF 455.80 | CHF 487.00 |
| 1'000 | CHF 502.70 | CHF 428.00 | CHF 432.10 | CHF 463.30 |
| 1'500 | CHF 473.50 | CHF 398.80 | CHF 402.90 | CHF 434.10 |
| 2'000 | CHF 444.40 | CHF 364.20 | CHF 368.30 | CHF 405.00 |
| 2'500 | CHF 415.20 | CHF 335.10 | CHF 339.10 | CHF 375.80 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 407.70 | CHF 355.80 | CHF 367.00 | CHF 386.30 |
| 500 | CHF 396.10 | CHF 344.10 | CHF 355.30 | CHF 374.70 |
| 1'000 | CHF 366.90 | CHF 319.00 | CHF 336.30 | CHF 345.50 |
| 1'500 | CHF 337.70 | CHF 289.80 | CHF 307.20 | CHF 316.30 |
| 2'000 | CHF 308.60 | CHF 256.60 | CHF 269.90 | CHF 287.20 |
| 2'500 | CHF 279.40 | CHF 227.40 | CHF 240.70 | CHF 258.00 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 0 | CHF 54.40 | CHF 49.10 | CHF 52.80 | CHF 54.40 |
| 200 | CHF 43.60 | CHF 40.20 | CHF 43.10 | CHF 43.60 |
| 400 | CHF 32.70 | CHF 30.20 | CHF 32.40 | CHF 32.70 |
| 600 | CHF 29.30 | CHF 29.30 | CHF 29.30 | CHF 29.30 |
With or without accident cover
With accident cover: CHF 543.50 a month. Without: CHF 505.50. Dropping it saves CHF 456.00 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 438.50 in 2025 to CHF 311.60 — a rise of 5.7 %.
The 122 municipalities in this region
They all pay exactly the same rate: under basic insurance the premium belongs to Region 3 of canton Zurich, not to the municipality.
Aesch (ZH) · Aeugst am Albis · Affoltern am Albis · Altikon · Andelfingen · Bachenbülach · Bachs · Bassersdorf · Bauma · Benken (ZH) · Berg am Irchel · Birmensdorf (ZH) · Bonstetten · Boppelsen · Brütten · Bubikon · Buch am Irchel · Buchs (ZH) · Bäretswil · Bülach · Dachsen · Dielsdorf · Dinhard · Dorf · Dägerlen · Dällikon · Dänikon · Dättlikon · Dürnten · Eglisau · Elgg · Ellikon an der Thur · Elsau · Embrach · Fehraltorf · Feuerthalen · Fischenthal · Flaach · Flurlingen · Freienstein-Teufen · Geroldswil · Glattfelden · Gossau (ZH) · Grüningen · Hagenbuch · Hausen am Albis · Hedingen · Henggart · Hettlingen · Hinwil · Hittnau · Hochfelden · Höri · Hüntwangen · Hüttikon · Illnau-Effretikon · Kappel am Albis · Kleinandelfingen · Knonau · Langnau am Albis · Laufen-Uhwiesen · Lindau · Lufingen · Marthalen · Maschwanden · Mettmenstetten · Neerach · Neftenbach · Niederglatt · Niederhasli · Niederweningen · Nürensdorf · Oberembrach · Oberengstringen · Oberglatt · Oberrieden · Oberweningen · Obfelden · Oetwil an der Limmat · Ossingen · Otelfingen · Ottenbach · Pfungen · Pfäffikon · Rafz · Regensberg · Rheinau · Rickenbach (ZH) · Rifferswil · Rorbas · Russikon · Rüschlikon · Rüti (ZH) · Schlatt (ZH) · Schleinikon · Schöfflisdorf · Seegräben · Seuzach · Stadel · Stallikon · Stammheim · Steinmaur · Thalheim an der Thur · Truttikon · Trüllikon · Turbenthal · Uitikon · Unterengstringen · Volken · Wald (ZH) · Wasterkingen · Weiach · Weiningen (ZH) · Weisslingen · Wettswil am Albis · Wetzikon (ZH) · Wiesendangen · Wil (ZH) · Wila · Wildberg · Winkel · Zell (ZH)
The other insurers in Region 3
27 insurers offer premiums in this region. Lowest adult premium, 300-franc deductible, accident cover included.
| Insurer | From | |
|---|---|---|
| Agrisano | CHF 427.80 | View |
| SLKK | CHF 439.40 | View |
| rhenusana | CHF 447.90 | View |
| Sanitas | CHF 451.40 | View |
| Wädenswil | CHF 452.80 | View |
| ÖKK | CHF 453.10 | View |
| Assura-Basis | CHF 454.00 | View |
| CONCORDIA | CHF 461.20 | View |
| Visana | CHF 462.70 | View |
| Aquilana | CHF 463.20 | View |
| Helsana | CHF 464.80 | View |
| Sumiswalder | CHF 465.60 | View |
| EGK | CHF 466.50 | View |
| Atupri | CHF 469.00 | View |
| Luzerner Hinterland | CHF 469.25 | View |
| Galenos | CHF 471.70 | View |
| CSS | CHF 472.40 | View |
| KPT | CHF 476.80 | View |
| Mutuel | CHF 492.60 | View |
| Vivao Sympany | CHF 497.20 | View |
| sana24 | CHF 497.70 | View |
| Avenir | CHF 502.40 | View |
| vita surselva | CHF 525.35 | View |
| Philos | CHF 528.20 | View |
| Steffisburg | CHF 528.80 | View |
| Einsiedler | CHF 558.00 | View |
Source: Federal Office of Public Health (FOPH), official premiums.