Adults · CHF 300 deductible · with accident cover · 2026
Premiums by canton and model
| Canton | Standard | GP/HMO | Telemedicine and other |
|---|---|---|---|
| Aargau | CHF 621.90 | CHF 503.80up to CHF 566.00 | CHF 564.40 |
| Appenzell Inner Rhodes | CHF 439.90 | CHF 387.20up to CHF 404.80 | CHF 413.60 |
| Appenzell Outer Rhodes | CHF 528.60 | CHF 454.60up to CHF 486.40 | CHF 486.40 |
| Basel-City | CHF 728.60 | CHF 593.90up to CHF 670.40 | CHF 670.40 |
| Basel-Country2 premium regions | CHF 625.90up to CHF 674.60 | CHF 538.30up to CHF 610.60 | CHF 568.10up to CHF 612.20 |
| Bern3 premium regions | CHF 571.60up to CHF 693.60 | CHF 485.90up to CHF 617.40 | CHF 513.10up to CHF 622.60 |
| Fribourg2 premium regions | CHF 572.50up to CHF 618.10 | CHF 480.90up to CHF 568.70 | CHF 538.20up to CHF 581.10 |
| Geneva | CHF 756.90 | CHF 632.10up to CHF 688.80 | CHF 696.40 |
| Glarus | CHF 525.90 | CHF 447.10up to CHF 478.60 | CHF 473.40 |
| Graubünden3 premium regions | CHF 512.30up to CHF 586.30 | CHF 450.00up to CHF 533.60 | CHF 481.60up to CHF 551.20 |
| Jura | CHF 680.20 | CHF 615.60up to CHF 632.60 | CHF 639.40 |
| Lucerne3 premium regions | CHF 523.80up to CHF 580.90 | CHF 437.40up to CHF 528.70 | CHF 476.70up to CHF 528.70 |
| Neuchâtel | CHF 685.60 | CHF 562.20up to CHF 637.70 | CHF 630.80 |
| Nidwalden | CHF 477.90 | CHF 413.40up to CHF 434.90 | CHF 439.70 |
| Obwalden | CHF 486.30 | CHF 420.70up to CHF 452.30 | CHF 462.00 |
| Schaffhausen2 premium regions | CHF 553.20up to CHF 601.10 | CHF 470.30up to CHF 553.10 | CHF 520.10up to CHF 565.10 |
| Schwyz | CHF 546.00 | CHF 486.00up to CHF 502.40 | CHF 513.30 |
| Solothurn | CHF 619.00 | CHF 538.60up to CHF 569.50 | CHF 581.90 |
| St. Gallen3 premium regions | CHF 508.90up to CHF 581.80 | CHF 431.30up to CHF 558.60 | CHF 461.90up to CHF 528.00 |
| Thurgau | CHF 551.50 | CHF 468.80up to CHF 524.00 | CHF 500.50 |
| Ticino2 premium regions | CHF 797.20up to CHF 826.50 | CHF 645.80up to CHF 760.40 | CHF 741.40up to CHF 768.70 |
| Uri | CHF 470.70 | CHF 411.90up to CHF 433.10 | CHF 433.10 |
| Valais2 premium regions | CHF 515.30up to CHF 594.90 | CHF 448.40up to CHF 538.40 | CHF 474.10up to CHF 547.40 |
| Vaud2 premium regions | CHF 698.50up to CHF 727.00 | CHF 558.80up to CHF 654.30 | CHF 649.70up to CHF 676.20 |
| Zug | CHF 435.60 | CHF 361.60up to CHF 400.80 | CHF 400.80 |
| Zurich3 premium regions | CHF 543.50up to CHF 653.30 | CHF 463.40up to CHF 653.30 | CHF 498.70up to CHF 589.70 |
Each cell shows the lowest premium among the models of that type; “up to” = highest premium across premium regions and tariffs. Until 2026, telemedicine and other models cover all models that the FOPH lists as “other”. Source: FOPH, health insurance premiums 2026, opendata.swiss; localities © swisstopo; as of 25.09.2026
Total cost in the “healthy” scenario
Cheapest tariffs by canton
For each canton, the SWICA tariff with the lowest premium. Total cost per year with CHF 500 in healthcare costs (premium plus deductible and retention fee, as in the calculator); saving compared with the SWICA standard model in the same region.
Aargau
FAVORIT MULTICHOICE
Premium / month
503.80
CHF
Total / year
CHF 6,366
Saving
−1,417
CHF / year
Appenzell Inner Rhodes
FAVORIT SANTE
Premium / month
387.20
CHF
Total / year
CHF 4,966
Saving
−632
CHF / year
Appenzell Outer Rhodes
FAVORIT MULTICHOICE
Premium / month
454.60
CHF
Total / year
CHF 5,775
Saving
−888
CHF / year
Basel-City
FAVORIT MULTICHOICE
Premium / month
593.90
CHF
Total / year
CHF 7,447
Saving
−1,616
CHF / year
Basel-Country
FAVORIT MULTICHOICE · region 2
Premium / month
538.30
CHF
Total / year
CHF 6,780
Saving
−1,051
CHF / year
Bern
FAVORIT SANTE · region 3
Premium / month
485.90
CHF
Total / year
CHF 6,151
Saving
−1,028
CHF / year
Fribourg
FAVORIT MEDPHARM · region 2
Premium / month
480.90
CHF
Total / year
CHF 6,091
Saving
−1,099
CHF / year
Geneva
FAVORIT SANTE
Premium / month
632.10
CHF
Total / year
CHF 7,905
Saving
−1,498
CHF / year
Glarus
FAVORIT CASA
Premium / month
447.10
CHF
Total / year
CHF 5,685
Saving
−946
CHF / year
Graubünden
FAVORIT MULTICHOICE · region 2
Premium / month
450.00
CHF
Total / year
CHF 5,720
Saving
−1,027
CHF / year
Jura
FAVORIT MEDPHARM
Premium / month
615.60
CHF
Total / year
CHF 7,707
Saving
−775
CHF / year
Lucerne
FAVORIT SANTE · region 3
Premium / month
437.40
CHF
Total / year
CHF 5,569
Saving
−1,037
CHF / year
Neuchâtel
FAVORIT SANTE
Premium / month
562.20
CHF
Total / year
CHF 7,066
Saving
−1,481
CHF / year
Nidwalden
FAVORIT SANTE
Premium / month
413.40
CHF
Total / year
CHF 5,281
Saving
−774
CHF / year
Obwalden
FAVORIT SANTE
Premium / month
420.70
CHF
Total / year
CHF 5,368
Saving
−787
CHF / year
Schaffhausen
FAVORIT MULTICHOICE · region 2
Premium / month
470.30
CHF
Total / year
CHF 5,964
Saving
−995
CHF / year
Schwyz
FAVORIT CASA
Premium / month
486.00
CHF
Total / year
CHF 6,152
Saving
−720
CHF / year
Solothurn
FAVORIT SANTE
Premium / month
538.60
CHF
Total / year
CHF 6,783
Saving
−965
CHF / year
St. Gallen
FAVORIT SANTE · region 3
Premium / month
431.30
CHF
Total / year
CHF 5,496
Saving
−931
CHF / year
Thurgau
FAVORIT MULTICHOICE
Premium / month
468.80
CHF
Total / year
CHF 5,946
Saving
−992
CHF / year
Ticino
FAVORIT MEDPHARM · region 2
Premium / month
645.80
CHF
Total / year
CHF 8,070
Saving
−1,817
CHF / year
Uri
FAVORIT MEDPHARM
Premium / month
411.90
CHF
Total / year
CHF 5,263
Saving
−706
CHF / year
Valais
FAVORIT MULTICHOICE · region 2
Premium / month
448.40
CHF
Total / year
CHF 5,701
Saving
−803
CHF / year
Vaud
FAVORIT SANTE · region 2
Premium / month
558.80
CHF
Total / year
CHF 7,026
Saving
−1,676
CHF / year
Zug
FAVORIT MEDPHARM
Premium / month
361.60
CHF
Total / year
CHF 4,659
Saving
−888
CHF / year
Zurich
FAVORIT MULTICHOICE · region 3
Premium / month
463.40
CHF
Total / year
CHF 5,881
Saving
−961
CHF / year
2025 → 2026
Change from the previous year
| Canton | 2025 | 2026 | Change | Average of all insurers |
|---|---|---|---|---|
| Aargau | CHF 602.10 | CHF 621.90 | +3.3% | +4.7% |
| Appenzell Inner Rhodes | CHF 404.20 | CHF 439.90 | +8.8% | +3.3% |
| Appenzell Outer Rhodes | CHF 513.70 | CHF 528.60 | +2.9% | +4.2% |
| Basel-City | CHF 709.60 | CHF 728.60 | +2.7% | +1.7% |
| Basel-Country | CHF 628.25 | CHF 650.25 | +3.5% | +3.7% |
| Bern | CHF 611.17 | CHF 626.27 | +2.5% | +3.2% |
| Fribourg | CHF 590.15 | CHF 595.30 | +0.9% | +2.6% |
| Geneva | CHF 713.40 | CHF 756.90 | +6.1% | +1.0% |
| Glarus | CHF 526.40 | CHF 525.90 | −0.1% | +4.6% |
| Graubünden | CHF 512.17 | CHF 544.73 | +6.4% | +4.2% |
| Jura | CHF 639.80 | CHF 680.20 | +6.3% | +2.7% |
| Lucerne | CHF 541.80 | CHF 551.87 | +1.9% | +3.1% |
| Neuchâtel | CHF 671.90 | CHF 685.60 | +2.0% | +4.0% |
| Nidwalden | CHF 475.70 | CHF 477.90 | +0.5% | +2.4% |
| Obwalden | CHF 458.90 | CHF 486.30 | +6.0% | +4.3% |
| Schaffhausen | CHF 548.35 | CHF 577.15 | +5.3% | +2.4% |
| Schwyz | CHF 505.70 | CHF 546.00 | +8.0% | +4.0% |
| Solothurn | CHF 593.10 | CHF 619.00 | +4.4% | +4.4% |
| St. Gallen | CHF 520.97 | CHF 541.10 | +3.9% | +3.1% |
| Thurgau | CHF 530.90 | CHF 551.50 | +3.9% | +2.1% |
| Ticino | CHF 772.05 | CHF 811.85 | +5.2% | +5.7% |
| Uri | CHF 450.90 | CHF 470.70 | +4.4% | +4.6% |
| Valais | CHF 550.10 | CHF 555.10 | +0.9% | +4.2% |
| Vaud | CHF 691.30 | CHF 712.75 | +3.1% | +2.4% |
| Zug | CHF 497.30 | CHF 435.60 | −12.4% | −9.0% |
| Zurich | CHF 563.13 | CHF 593.30 | +5.4% | +3.8% |
Reference: the insurer’s lowest standard tariff, averaged across its premium regions in the canton (adults, CHF 300 deductible, with accident cover). Source: FOPH premiums for both years.
Frequently asked questions
How much are SWICA premiums in 2026?
For adults in the standard model with a CHF 300 deductible and accident cover, the monthly premium at SWICA in 2026 ranges from CHF 435.60 (canton of Zug) to CHF 826.50 (canton of Ticino). With a higher deductible or a model, the premium is lower.
Which models does SWICA offer?
In 2026, SWICA has premiums for 3 model types: 1 tariff of the Standard type, 6 tariffs of the GP/HMO type and 1 tariff of the Telemedicine and other type. Which of them apply where you live depends on the catchment area.
Is SWICA more expensive than other insurers?
On average across all of the insurer’s premium regions, the 2026 index is 100.8 (100 = average of all insurers in the same regions; adults, standard model, CHF 300 deductible, with accident cover). This varies by canton; the table above shows every canton. For where you live, what counts is the comparison in the premium calculator.
Sources
- FOPH, register of approved health insurers, as of 01.01.2026priminfo.admin.ch
- FOPH, health insurance premiums 2011–2026 (opendata.swiss)opendata.swiss
- FOPH, supervisory data for compulsory health insurance (T 5.01), data as of 22.05.2025bag.admin.ch
- FOPH, KVG solvency test (KVD, reserves of health insurers)opendata.swiss
- SWICA: website (address), retrieved on 25.09.2026swica.ch
- SWICA: website (physician search), retrieved on 25.09.2026expertfinder.swica.ch
- SWICA: website (contact), retrieved on 25.09.2026swica.ch