SWICA's 2027 premiums in every canton
SWICA (SWICA Krankenversicherung AG) offers basic insurance in all 26 cantons. In 2027, its standard monthly premium for an adult (26 and over, with accident cover, CHF 300 deductible) ranges from CHF 447.60 (Zug) to CHF 808.90 (Ticino, region 1). It is not the cheapest standard insurer in any of the 42 premium regions where it operates. Compared with 2026, its standard premiums change by +2.9% on average. Models offered: Free choice of doctor, Family doctor or HMO, Telemedicine, Combined model.
Official 2027 FOPH premiums, published on . Page updated on .
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2027 premiums by canton and region
| Canton | Region | Standard, CHF 300 | Rank | Cheapest in the region | Gap per year | All models, CHF 2,500 | Child, standard | Vs 2026 |
|---|---|---|---|---|---|---|---|---|
| Aargau | – | CHF 644.60 | 27/27 | Agrisano CHF 548.80 | CHF 1'150 | CHF 400.30 | CHF 161.20 | +3.7% |
| Appenzell Innerrhoden | – | CHF 457.50 | 8/23 | ÖKK CHF 436.00 | CHF 258 | CHF 285.80 | CHF 114.40 | +4.0% |
| Appenzell Ausserrhoden | – | CHF 539.20 | 6/23 | Agrisano CHF 501.00 | CHF 458 | CHF 340.80 | CHF 134.80 | +2.0% |
| Bern | 1 | CHF 705.60 | 17/26 | Sanitas CHF 653.70 | CHF 623 | CHF 464.40 | CHF 176.40 | +1.7% |
| Bern | 2 | CHF 631.50 | 13/26 | ÖKK CHF 590.00 | CHF 498 | CHF 411.60 | CHF 157.90 | +2.9% |
| Bern | 3 | CHF 581.40 | 6/26 | Agrisano CHF 541.20 | CHF 482 | CHF 377.50 | CHF 145.40 | +1.7% |
| Basel-Landschaft | 1 | CHF 687.20 | 5/23 | ÖKK CHF 650.00 | CHF 446 | CHF 466.10 | CHF 171.80 | +1.9% |
| Basel-Landschaft | 2 | CHF 637.70 | 4/23 | ÖKK CHF 606.00 | CHF 380 | CHF 439.30 | CHF 159.50 | +1.9% |
| Basel-Stadt | – | CHF 758.50 | 16/23 | SLKK CHF 690.40 | CHF 817 | CHF 493.70 | CHF 189.70 | +4.1% |
| Fribourg | 1 | CHF 642.00 | 14/23 | Atupri CHF 593.30 | CHF 584 | CHF 404.60 | CHF 160.50 | +3.9% |
| Fribourg | 2 | CHF 594.60 | 15/23 | ÖKK CHF 551.00 | CHF 523 | CHF 383.10 | CHF 148.70 | +3.9% |
| Geneva | – | CHF 753.20 | 8/21 | Assura CHF 711.20 | CHF 504 | CHF 500.60 | CHF 188.30 | -0.5% |
| Glarus | – | CHF 553.00 | 14/26 | Agrisano CHF 523.80 | CHF 350 | CHF 347.30 | CHF 138.30 | +5.2% |
| Graubünden | 1 | CHF 586.30 | 13/24 | Cassa da malsauns Lumneziana CHF 525.20 | CHF 733 | CHF 364.20 | CHF 146.60 | 0.0% |
| Graubünden | 2 | CHF 535.60 | 7/24 | Cassa da malsauns Lumneziana CHF 489.50 | CHF 553 | CHF 337.70 | CHF 133.90 | 0.0% |
| Graubünden | 3 | CHF 512.30 | 7/24 | Cassa da malsauns Lumneziana CHF 450.80 | CHF 738 | CHF 327.70 | CHF 128.10 | 0.0% |
| Jura | – | CHF 686.60 | 4/21 | Atupri CHF 655.80 | CHF 370 | CHF 506.80 | CHF 171.70 | +0.9% |
| Lucerne | 1 | CHF 582.30 | 12/25 | Krankenkasse Luzerner Hinterland CHF 527.65 | CHF 656 | CHF 369.60 | CHF 145.60 | +0.2% |
| Lucerne | 2 | CHF 565.00 | 20/25 | Krankenkasse Luzerner Hinterland CHF 489.65 | CHF 904 | CHF 360.40 | CHF 141.30 | +2.6% |
| Lucerne | 3 | CHF 547.90 | 20/25 | Krankenkasse Luzerner Hinterland CHF 468.65 | CHF 951 | CHF 337.40 | CHF 137.00 | +4.6% |
| Neuchâtel | – | CHF 736.30 | 12/21 | Atupri CHF 675.60 | CHF 728 | CHF 471.80 | CHF 184.10 | +7.4% |
| Nidwalden | – | CHF 522.90 | 19/26 | Agrisano CHF 461.50 | CHF 737 | CHF 324.00 | CHF 130.80 | +9.4% |
| Obwalden | – | CHF 495.50 | 5/26 | Agrisano CHF 474.00 | CHF 258 | CHF 300.30 | CHF 123.90 | +1.9% |
| St. Gallen | 1 | CHF 598.80 | 13/25 | Agrisano CHF 560.50 | CHF 460 | CHF 374.70 | CHF 149.70 | +2.9% |
| St. Gallen | 2 | CHF 548.20 | 9/25 | Agrisano CHF 509.90 | CHF 460 | CHF 351.40 | CHF 137.10 | +2.9% |
| St. Gallen | 3 | CHF 523.90 | 7/25 | Agrisano CHF 488.00 | CHF 431 | CHF 332.70 | CHF 131.00 | +2.9% |
| Schaffhausen | 1 | CHF 638.30 | 18/23 | Agrisano CHF 568.30 | CHF 840 | CHF 401.50 | CHF 159.60 | +6.2% |
| Schaffhausen | 2 | CHF 587.30 | 14/23 | Agrisano CHF 514.50 | CHF 874 | CHF 353.30 | CHF 146.90 | +6.2% |
| Solothurn | – | CHF 624.30 | 13/25 | Agrisano CHF 582.40 | CHF 503 | CHF 421.10 | CHF 156.10 | +0.9% |
| Schwyz | – | CHF 557.80 | 19/28 | Einsiedler Krankenkasse CHF 454.70 | CHF 1'237 | CHF 370.90 | CHF 139.50 | +2.2% |
| Thurgau | – | CHF 576.50 | 15/23 | Agrisano CHF 524.60 | CHF 623 | CHF 373.30 | CHF 144.20 | +4.5% |
| Ticino | 1 | CHF 808.90 | 18/21 | Agrisano CHF 713.00 | CHF 1'151 | CHF 526.90 | CHF 202.30 | -2.1% |
| Ticino | 2 | CHF 780.30 | 20/21 | Agrisano CHF 658.00 | CHF 1'468 | CHF 503.80 | CHF 195.10 | -2.1% |
| Uri | – | CHF 510.90 | 12/26 | Atupri CHF 463.90 | CHF 564 | CHF 313.60 | CHF 127.80 | +8.5% |
| Vaud | 1 | CHF 732.40 | 16/21 | Galenos CHF 661.40 | CHF 852 | CHF 472.30 | CHF 183.10 | +0.7% |
| Vaud | 2 | CHF 703.60 | 19/21 | Galenos CHF 614.40 | CHF 1'070 | CHF 455.70 | CHF 175.90 | +0.7% |
| Valais | 1 | CHF 608.90 | 16/24 | Atupri CHF 574.20 | CHF 416 | CHF 395.40 | CHF 152.30 | +2.4% |
| Valais | 2 | CHF 527.50 | 9/26 | Krankenkasse Visperterminen CHF 494.45 | CHF 397 | CHF 330.60 | CHF 131.90 | +2.4% |
| Zug | – | CHF 447.60 | 17/27 | Agrisano CHF 405.30 | CHF 508 | CHF 261.10 | CHF 111.90 | +2.8% |
| Zurich | 1 | CHF 692.10 | 20/27 | SLKK CHF 633.00 | CHF 709 | CHF 451.40 | CHF 173.10 | +5.9% |
| Zurich | 2 | CHF 617.80 | 17/27 | Krankenkasse Wädenswil CHF 557.10 | CHF 728 | CHF 396.80 | CHF 154.50 | +6.0% |
| Zurich | 3 | CHF 575.90 | 16/27 | Krankenkasse Wädenswil CHF 508.10 | CHF 814 | CHF 361.20 | CHF 144.00 | +6.0% |
Rank: position of the insurer's standard premium among all standard offers of the region (1 = the cheapest). Gap per year: what the insurer costs over 12 months beyond the cheapest standard offer of the region. "All models": the insurer's lowest premium with the CHF 2,500 deductible, across all models.
SWICA's insurance models
For basic insurance, the benefits reimbursed are the same in every model. An alternative model restricts your first point of contact in exchange for a lower premium.
- Free choice of doctor
- Family doctor or HMO: Favorit Casa, Favorit Medica, Favorit Santé, Favorit Bestcare
- Telemedicine: Favorit Start, Favorit Telmed
- Combined model: Favorit Medpharm, Favorit Multichoice
Frequently asked questions
01Is SWICA cheaper in 2027?
In none of the 42 regions where it operates does SWICA have the cheapest standard offer. Its lowest standard premium for an adult is CHF 447.60 a month (Zug). The ranking depends on your region, age, deductible and model: type your postcode above to see SWICA against the other insurers and your possible saving.
02How do I cancel SWICA?
By registered letter, which must reach SWICA by 30 November 2026 at the latest for a switch on 1 January 2027. Cancel basic insurance only, and only once the new insurer has made its offer. The 5 steps and the letter template.
03Which insurance models does SWICA offer?
Free choice of doctor, Family doctor or HMO, Telemedicine, Combined model. Basic insurance benefits are identical in every model and with every insurer; only the price and the first point of contact change.
04Can SWICA refuse to insure me?
No. For basic insurance (KVG/LAMal), every insurer must accept anyone living in a canton where it operates, whatever their age or health, with no medical questionnaire. This is not the case for supplementary insurance.
The other health insurers in 2027
- Agrisano
- Aquilana
- Assura
- Atupri
- Avenir
- Cassa da malsauns Lumneziana
- Concordia
- CSS
- EGK
- Einsiedler Krankenkasse
- Galenos
- Glarner Krankenversicherung
- Helsana
- KPT
- Krankenkasse Birchmeier
- Krankenkasse Luzerner Hinterland
- Krankenkasse Steffisburg
- Krankenkasse Visperterminen
- Krankenkasse Wädenswil
- Mutuel Assurance
- ÖKK
- Philos
- rhenusana
- sana24
- Sanitas
- SLKK
- sodalis
- Sumiswalder Krankenkasse
- Sympany
- Visana
- vita surselva
Comparison of the 26 cantons · Understand Swiss health insurance · Switch insurer · About and method