SWICA — Region 2, Zurich: twelve years of premiums
Region 2, Zurich: the lowest SWICA premium went from CHF 326.80 a month in 2015 to CHF 497.10 in 2026 — a rise of +52.1 %. The table below places it next to this region's cheapest insurer, year by year.
| Year | This insurer | The cheapest | Gap |
|---|---|---|---|
| 2015 | CHF 326.80 | CHF 278.90 | CHF 47.90 |
| 2016 | CHF 339.90 | CHF 328.90 | CHF 11.00 |
| 2017 | CHF 349.80 | CHF 339.50 | CHF 10.30 |
| 2018 | CHF 370.80 | CHF 365.80 | CHF 5.00 |
| 2019 | CHF 381.20 | CHF 374.00 | CHF 7.20 |
| 2020 | CHF 381.20 | CHF 374.00 | CHF 7.20 |
| 2021 | CHF 377.20 | CHF 377.20 | — |
| 2022 | CHF 377.70 | CHF 373.50 | CHF 4.20 |
| 2023 | CHF 414.70 | CHF 389.60 | CHF 25.10 |
| 2024 | CHF 461.20 | CHF 415.60 | CHF 45.60 |
| 2025 | CHF 473.30 | CHF 436.30 | CHF 37.00 |
| 2026 | CHF 497.10 | CHF 467.90 | CHF 29.20 |
Faster or slower than the rest?
SWICA rose +52.1 % over the period, against +67.8 % 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: +11.2 % in one go. The premium did not move in 2020.
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.