SWICA Krankenversicherung AG: 2027 premiums compared
SWICA Krankenversicherung AG offers basic insurance in 2027 in 26 cantons, from CHF 447.60 a month. In 0 cantons it is the cheapest insurer of all.
SWICA Krankenversicherung AG canton by canton (2027)
Reference: adult aged 26+, franchise CHF 300, standard model with free choice of doctor, with accident cover.
| Canton | SWICA Krankenversicherung AG premium | Cheapest in canton | Extra per year |
|---|---|---|---|
| Aargau | CHF 644.60 | CHF 548.80 | + CHF 1'150/J |
| Appenzell Ausserrhoden | CHF 539.20 | CHF 501.00 | + CHF 458/J |
| Appenzell Innerrhoden | CHF 457.50 | CHF 436.00 | + CHF 258/J |
| Basel-Landschaft | CHF 637.70 | CHF 606.00 | + CHF 380/J |
| Basel-Stadt | CHF 758.50 | CHF 690.40 | + CHF 817/J |
| Bern | CHF 581.40 | CHF 541.20 | + CHF 482/J |
| Freiburg | CHF 594.60 | CHF 551.00 | + CHF 523/J |
| Genf | CHF 753.20 | CHF 711.20 | + CHF 504/J |
| Glarus | CHF 553.00 | CHF 523.80 | + CHF 350/J |
| Graubünden | CHF 512.30 | CHF 450.80 | + CHF 738/J |
| Jura | CHF 686.60 | CHF 655.80 | + CHF 370/J |
| Luzern | CHF 547.90 | CHF 468.65 | + CHF 951/J |
| Neuenburg | CHF 736.30 | CHF 675.60 | + CHF 728/J |
| Nidwalden | CHF 522.90 | CHF 461.50 | + CHF 737/J |
| Obwalden | CHF 495.50 | CHF 474.00 | + CHF 258/J |
| Schaffhausen | CHF 587.30 | CHF 514.50 | + CHF 874/J |
| Schwyz | CHF 557.80 | CHF 454.70 | + CHF 1'237/J |
| Solothurn | CHF 624.30 | CHF 582.40 | + CHF 503/J |
| St. Gallen | CHF 523.90 | CHF 488.00 | + CHF 431/J |
| Tessin | CHF 780.30 | CHF 658.00 | + CHF 1'468/J |
| Thurgau | CHF 576.50 | CHF 524.60 | + CHF 623/J |
| Uri | CHF 510.90 | CHF 463.90 | + CHF 564/J |
| Waadt | CHF 703.60 | CHF 614.40 | + CHF 1'070/J |
| Wallis | CHF 527.50 | CHF 494.45 | + CHF 397/J |
| Zug | CHF 447.60 | CHF 405.30 | + CHF 508/J |
| Zürich | CHF 575.90 | CHF 508.10 | + CHF 814/J |
What this insurer actually offers
Insurance models: Standard (free choice of doctor), Flexible models, Family doctor / HMO, Telemedicine / digital
Franchises for adults: CHF 300, 500, 1'000, 1'500, 2'000, 2'500
Franchises for children: CHF 0, 200, 400, 600 Not every insurer offers children all levels — that is what decides the cheapest family solution.
How SWICA Krankenversicherung AG has developed since 2021
| Year | Lowest premium | Change |
|---|---|---|
| 2021 | CHF 335.90 | — |
| 2022 | CHF 351.90 | +4.8 % |
| 2023 | CHF 399.50 | +13.5 % |
| 2024 | CHF 402.70 | +0.8 % |
| 2025 | CHF 404.20 | +0.4 % |
| 2026 | CHF 435.60 | +7.8 % |
| 2027 | CHF 447.60 | +2.8 % |
The lowest premium at SWICA Krankenversicherung AG went from CHF 335.90 (2021) to CHF 447.60 (2027) — +33.3 %.
Why the benefits are the same everywhere
Basic insurance is defined by law (KVG/LAMal). SWICA Krankenversicherung AG must pay for the same treatments as any other insurer and must accept every applicant, with no health questions. Price, service and supplementary products differ — the latter are not compared here.
Frequently asked questions
Is SWICA Krankenversicherung AG expensive?
For an adult with a CHF 300 franchise and the standard model, SWICA Krankenversicherung AG costs between CHF 447.60 and CHF 780.30 a month in 2027, depending on the canton. In 0 of 26 cantons it is the cheapest insurer.
Are the benefits at SWICA Krankenversicherung AG worse than at a more expensive insurer?
No. The benefit catalogue of compulsory basic insurance is set by law and identical for every insurer.
How do I switch to or away from SWICA Krankenversicherung AG?
Notice for basic insurance must reach your current insurer by 30 November (arrival, not postmark). The new insurer must accept you.