SWICA — Region 1, Schaffhausen: twelve years of premiums
Region 1, Schaffhausen: the lowest SWICA premium went from CHF 359.50 a month in 2015 to CHF 511.00 in 2026 — a rise of +42.1 %. The table below places it next to this region's cheapest insurer, year by year.
| Year | This insurer | The cheapest | Gap |
|---|---|---|---|
| 2015 | CHF 359.50 | CHF 300.30 | CHF 59.20 |
| 2016 | CHF 351.90 | CHF 314.80 | CHF 37.10 |
| 2017 | CHF 372.60 | CHF 352.90 | CHF 19.70 |
| 2018 | CHF 416.00 | CHF 352.40 | CHF 63.60 |
| 2019 | CHF 416.00 | CHF 381.40 | CHF 34.60 |
| 2020 | CHF 407.40 | CHF 374.30 | CHF 33.10 |
| 2021 | CHF 399.00 | CHF 371.20 | CHF 27.80 |
| 2022 | CHF 399.00 | CHF 384.70 | CHF 14.30 |
| 2023 | CHF 404.50 | CHF 404.50 | — |
| 2024 | CHF 463.00 | CHF 446.10 | CHF 16.90 |
| 2025 | CHF 474.10 | CHF 466.40 | CHF 7.70 |
| 2026 | CHF 511.00 | CHF 480.30 | CHF 30.70 |
Faster or slower than the rest?
SWICA rose +42.1 % over the period, against +59.9 % for the cheapest insurer in the same place. The gap narrowed — which does not mean this insurer is the cheapest today, only that it climbed more slowly.
The year that hurt — The steepest year-on-year jump was 2024: +14.5 % in one go. The premium did not move in 2019, 2022.
Figures for an adult, CHF 300 deductible, accident cover included — the only profile defined identically across all twelve years. Each year this is the lowest premium the insurer offered, all models combined.
SWICA, canton by canton
Other insurers
Source: Federal Office of Public Health (FOPH), premium files from 2015 to today.