Adults · CHF 300 deductible · with accident cover · 2027
Premiums by canton and model
| Canton | Standard | GP/HMO | Flex | Telemedicine and other |
|---|---|---|---|---|
| Aargau | CHF 644.60 | CHF 531.80up to CHF 593.10 | CHF 541.50 | CHF 528.60up to CHF 593.10 |
| Appenzell Inner Rhodes | CHF 457.50 | CHF 407.20up to CHF 420.90 | CHF 414.10 | CHF 443.80 |
| Appenzell Outer Rhodes | CHF 539.20 | CHF 469.20up to CHF 496.10 | CHF 469.20up to CHF 477.20 | CHF 496.10 |
| Basel-City | CHF 758.50 | CHF 629.60up to CHF 699.80 | CHF 622.00up to CHF 641.00 | CHF 699.80 |
| Basel-Country2 premium regions | CHF 637.70up to CHF 687.20 | CHF 567.60up to CHF 632.30 | CHF 567.60up to CHF 601.30 | CHF 597.90up to CHF 634.00 |
| Bern3 premium regions | CHF 581.40up to CHF 705.60 | CHF 505.90up to CHF 628.00 | CHF 523.30up to CHF 603.30 | CHF 534.90up to CHF 633.30 |
| Fribourg2 premium regions | CHF 594.60up to CHF 642.00 | CHF 511.40up to CHF 590.70 | CHF 511.40up to CHF 532.90 | CHF 559.00up to CHF 603.50 |
| Geneva | CHF 753.20 | CHF 629.00up to CHF 685.50 | CHF 640.30up to CHF 647.80 | CHF 693.00 |
| Glarus | CHF 553.00 | CHF 486.70up to CHF 503.30 | CHF 475.60up to CHF 486.70 | CHF 519.90 |
| Graubünden3 premium regions | CHF 512.30up to CHF 586.30 | CHF 466.20up to CHF 533.60 | CHF 456.00up to CHF 498.40 | CHF 481.60up to CHF 551.20 |
| Jura | CHF 686.60 | CHF 638.60up to CHF 645.50 | CHF 635.20 | CHF 645.50 |
| Lucerne3 premium regions | CHF 547.90up to CHF 582.30 | CHF 465.80up to CHF 531.10 | CHF 471.20up to CHF 527.00 | CHF 465.80up to CHF 529.90 |
| Neuchâtel | CHF 736.30 | CHF 600.10up to CHF 714.30 | CHF 614.90 | CHF 677.40 |
| Nidwalden | CHF 522.90 | CHF 452.40up to CHF 475.90 | CHF 475.90up to CHF 496.80 | CHF 502.00 |
| Obwalden | CHF 495.50 | CHF 428.70up to CHF 460.90 | CHF 451.00 | CHF 470.80 |
| Schaffhausen2 premium regions | CHF 587.30up to CHF 638.30 | CHF 502.20up to CHF 587.30 | CHF 499.30up to CHF 549.00 | CHF 481.60up to CHF 612.80 |
| Schwyz | CHF 557.80 | CHF 496.50up to CHF 513.20 | CHF 499.30up to CHF 521.60 | CHF 524.40 |
| Solothurn | CHF 624.30 | CHF 549.40up to CHF 586.90 | CHF 549.40up to CHF 561.90 | CHF 586.90 |
| St. Gallen3 premium regions | CHF 523.90up to CHF 598.80 | CHF 455.80up to CHF 598.80 | CHF 466.30up to CHF 533.00 | CHF 491.20up to CHF 552.40 |
| Thurgau | CHF 576.50 | CHF 504.50up to CHF 559.30 | CHF 501.60up to CHF 513.10 | CHF 533.30 |
| Ticino2 premium regions | CHF 780.30up to CHF 808.90 | CHF 647.70up to CHF 744.20 | CHF 632.10up to CHF 655.30 | CHF 725.70up to CHF 752.30 |
| Uri | CHF 510.90 | CHF 452.20up to CHF 470.10 | CHF 442.00up to CHF 457.30 | CHF 470.10 |
| Valais2 premium regions | CHF 527.50up to CHF 608.90 | CHF 472.20up to CHF 551.10 | CHF 459.00up to CHF 529.80 | CHF 485.30up to CHF 560.20 |
| Vaud2 premium regions | CHF 703.60up to CHF 732.40 | CHF 584.00up to CHF 659.20 | CHF 584.00up to CHF 615.30 | CHF 654.40up to CHF 692.20 |
| Zug | CHF 447.60 | CHF 393.90up to CHF 411.80 | CHF 389.50 | CHF 420.80 |
| Zurich3 premium regions | CHF 575.90up to CHF 692.10 | CHF 501.10up to CHF 692.10 | CHF 501.10up to CHF 597.00 | CHF 489.60up to CHF 624.70 |
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 2027, opendata.swiss; localities © swisstopo; as of 15.10.2026
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 Start
Premium / month
528.60
CHF
Total / year
CHF 6,663
Saving
−1,392
CHF / year
Appenzell Inner Rhodes
Favorit Casa
Premium / month
407.20
CHF
Total / year
CHF 5,206
Saving
−604
CHF / year
Appenzell Outer Rhodes
Favorit Bestcare
Premium / month
469.20
CHF
Total / year
CHF 5,950
Saving
−840
CHF / year
Basel-City
Favorit Multichoice
Premium / month
622.00
CHF
Total / year
CHF 7,784
Saving
−1,638
CHF / year
Basel-Country
Favorit Casa · region 2
Premium / month
567.60
CHF
Total / year
CHF 7,131
Saving
−841
CHF / year
Bern
Favorit Santé · region 3
Premium / month
505.90
CHF
Total / year
CHF 6,391
Saving
−906
CHF / year
Fribourg
Favorit Medpharm · region 2
Premium / month
511.40
CHF
Total / year
CHF 6,457
Saving
−998
CHF / year
Geneva
Favorit Santé
Premium / month
629.00
CHF
Total / year
CHF 7,868
Saving
−1,490
CHF / year
Glarus
Favorit Multichoice
Premium / month
475.60
CHF
Total / year
CHF 6,027
Saving
−929
CHF / year
Graubünden
Favorit Medpharm · region 3
Premium / month
456.00
CHF
Total / year
CHF 5,792
Saving
−676
CHF / year
Jura
Favorit Medpharm
Premium / month
635.20
CHF
Total / year
CHF 7,942
Saving
−617
CHF / year
Lucerne
Favorit Santé · region 3
Premium / month
465.80
CHF
Total / year
CHF 5,910
Saving
−985
CHF / year
Neuchâtel
Favorit Santé
Premium / month
600.10
CHF
Total / year
CHF 7,521
Saving
−1,634
CHF / year
Nidwalden
Favorit Santé
Premium / month
452.40
CHF
Total / year
CHF 5,749
Saving
−846
CHF / year
Obwalden
Favorit Santé
Premium / month
428.70
CHF
Total / year
CHF 5,464
Saving
−802
CHF / year
Schaffhausen
Favorit Start · region 2
Premium / month
481.60
CHF
Total / year
CHF 6,099
Saving
−1,268
CHF / year
Schwyz
Favorit Casa
Premium / month
496.50
CHF
Total / year
CHF 6,278
Saving
−736
CHF / year
Solothurn
Favorit Casa
Premium / month
549.40
CHF
Total / year
CHF 6,913
Saving
−899
CHF / year
St. Gallen
Favorit Bestcare · region 3
Premium / month
455.80
CHF
Total / year
CHF 5,790
Saving
−817
CHF / year
Thurgau
Favorit Medpharm
Premium / month
501.60
CHF
Total / year
CHF 6,339
Saving
−899
CHF / year
Ticino
Favorit Medpharm · region 2
Premium / month
632.10
CHF
Total / year
CHF 7,905
Saving
−1,778
CHF / year
Uri
Favorit Multichoice
Premium / month
442.00
CHF
Total / year
CHF 5,624
Saving
−827
CHF / year
Valais
Favorit Multichoice · region 2
Premium / month
459.00
CHF
Total / year
CHF 5,828
Saving
−822
CHF / year
Vaud
Favorit Medpharm · region 2
Premium / month
584.00
CHF
Total / year
CHF 7,328
Saving
−1,435
CHF / year
Zug
Favorit Medpharm
Premium / month
389.50
CHF
Total / year
CHF 4,994
Saving
−697
CHF / year
Zurich
Favorit Start · region 3
Premium / month
489.60
CHF
Total / year
CHF 6,195
Saving
−1,036
CHF / year
2026 → 2027
Change from the previous year
| Canton | 2026 | 2027 | Change | Average of all insurers |
|---|---|---|---|---|
| Aargau | CHF 621.90 | CHF 644.60 | +3.7% | +4.8% |
| Appenzell Inner Rhodes | CHF 439.90 | CHF 457.50 | +4.0% | +4.4% |
| Appenzell Outer Rhodes | CHF 528.60 | CHF 539.20 | +2.0% | +4.7% |
| Basel-City | CHF 728.60 | CHF 758.50 | +4.1% | +3.7% |
| Basel-Country | CHF 650.25 | CHF 662.45 | +1.9% | +4.0% |
| Bern | CHF 626.27 | CHF 639.50 | +2.1% | +3.9% |
| Fribourg | CHF 595.30 | CHF 618.30 | +3.9% | +3.9% |
| Geneva | CHF 756.90 | CHF 753.20 | −0.5% | +1.9% |
| Glarus | CHF 525.90 | CHF 553.00 | +5.2% | +3.9% |
| Graubünden | CHF 544.73 | CHF 544.73 | +0.0% | +3.7% |
| Jura | CHF 680.20 | CHF 686.60 | +0.9% | +4.8% |
| Lucerne | CHF 551.87 | CHF 565.07 | +2.4% | +4.5% |
| Neuchâtel | CHF 685.60 | CHF 736.30 | +7.4% | +3.3% |
| Nidwalden | CHF 477.90 | CHF 522.90 | +9.4% | +4.2% |
| Obwalden | CHF 486.30 | CHF 495.50 | +1.9% | +3.8% |
| Schaffhausen | CHF 577.15 | CHF 612.80 | +6.2% | +4.5% |
| Schwyz | CHF 546.00 | CHF 557.80 | +2.2% | +3.9% |
| Solothurn | CHF 619.00 | CHF 624.30 | +0.9% | +4.8% |
| St. Gallen | CHF 541.10 | CHF 556.97 | +2.9% | +3.9% |
| Thurgau | CHF 551.50 | CHF 576.50 | +4.5% | +4.6% |
| Ticino | CHF 811.85 | CHF 794.60 | −2.1% | +4.0% |
| Uri | CHF 470.70 | CHF 510.90 | +8.5% | +4.1% |
| Valais | CHF 555.10 | CHF 568.20 | +2.4% | +3.6% |
| Vaud | CHF 712.75 | CHF 718.00 | +0.7% | +2.6% |
| Zug | CHF 435.60 | CHF 447.60 | +2.8% | +2.8% |
| Zurich | CHF 593.30 | CHF 628.60 | +5.9% | +4.8% |
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 2027?
For adults in the standard model with a CHF 300 deductible and accident cover, the monthly premium at SWICA in 2027 ranges from CHF 447.60 (canton of Zug) to CHF 808.90 (canton of Ticino). With a higher deductible or a model, the premium is lower.
Which models does SWICA offer?
In 2027, SWICA has premiums for 4 model types: 1 tariff of the Standard type, 4 tariffs of the GP/HMO type, 2 tariffs of the Flex type and 2 tariffs 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 2027 index is 99.8 (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 2011–2027 (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