SWICA health insurance: premiums, strengths & an honest verdict
What SWICA costs for basic insurance, where it is strong and who it suits: based on official FOPH premiums, with no sponsorship.
*Adult, deductible CHF 2,500, no accident, cheapest model. Official 2027 FOPH premiums. Compare with the cheapest insurer
SWICA at a glance
SWICA is one of Switzerland’s largest health insurers and tops customer-satisfaction surveys year after year. Its strength is the overall package: excellent supplementary insurance, generous fitness and prevention contributions, strong complementary-medicine cover and a service team that works well in English. It is rarely the cheapest, though.
- Insured
- around 1.6 million
- Head office
- Winterthur
- Satisfaction
- consistently top-rated (K-Tipp/Comparis)
- Telemedicine
- santé24 (24/7, English)
Strengths & weaknesses — no marketing
In favour of SWICA
- Top customer satisfaction for years
- Up to several hundred francs in fitness & prevention contributions (COMPLETA/OPTIMA supplementary)
- Strong complementary-medicine cover
- santé24 telemedicine and good English-language service
Worth knowing
- Premiums usually above the regional average
- Not the pick if you only want the cheapest basic cover
- Top perks require the matching supplementary policies
Who is SWICA for?
Those who value service, supplementary cover and health perks and accept a somewhat higher premium — often the right choice for families and active people.
Is SWICA right for you?We compare SWICA with every insurer in your premium region, free and independent.→ Go deeper
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SWICA — FAQ
Is SWICA the best health insurer in Switzerland?
In satisfaction surveys (K-Tipp, Comparis) SWICA is regularly at the very top. "Best" depends on your priorities though: for pure basic-insurance premiums SWICA is rarely cheapest — for service and supplementary benefits it almost always leads.
Does SWICA offer service in English?
Yes — SWICA is one of the more expat-friendly insurers, with English-language service and the santé24 telemedicine line. That makes it a common recommendation for internationals who want support in English.
How do I switch to or away from SWICA?
Basic insurance: your cancellation must reach the insurer by 30 November (registered mail is safest), and you switch from 1 January. With the CHF 300 deductible and the standard model you can also switch for 1 July if your notice arrives by 31 March. Supplementary cover follows the policy terms; by law you can cancel at the end of the third policy year and every year after that with three months’ notice (Art. 35a VVG). New supplementary cover involves health questions, so never cancel before the new cover is confirmed. We can handle the switch for you.
Do I pay more premium through insurance-guide.ch?
No. Basic-insurance premiums are officially approved and identical whether you sign up directly or through us. We are paid by the insurers via commission; how that works is explained transparently on our advisory page.
SWICA or another insurer? We compare them all for your postcode.
Robert Kolar (25 years in health insurance) and Nicole Bohne (10 years in pensions and relocation), independent and FINMA-registered. 45 minutes by video, free and without obligation.
