SWICA Health Insurance Premiums 2027: Every Canton Compared

Updated 29 September 2026 · Source: official FOPH 2027 premium data (Priminfo, 29 September 2026) · Independent comparison, not affiliated with SWICA.

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In 2027, SWICA's basic insurance for adults on the standard model (CHF 300 deductible, no accident cover) costs between CHF 416 and CHF 739 per month depending on the canton. SWICA is below the cantonal average in 16 of 26 cantons. The biggest gap to the cheapest standard offer is CHF 92 per month in Schwyz — CHF 1'104 a year.

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SWICA vs. the market: premium by canton

Basis: adults 26+, standard model, CHF 300 deductible, without accident cover, averaged across the canton's premium regions. Rank 1 = cheapest insurer in the canton.

Canton	SWICA (CHF/month)	Canton average	Cheapest standard offer	Difference to cheapest	Rank
Aargau	600	558	517	+CHF 83	27 of 27
Appenzell Innerrhoden	426	448	406	+CHF 20	6 of 23
Appenzell Ausserrhoden	502	538	476	+CHF 26	6 of 23
Bern	595	604	564	+CHF 31	9 of 26
Basel-Country	616	645	584	+CHF 32	4 of 23
Basel-City	706	698	649	+CHF 57	16 of 23
Fribourg	575	570	533	+CHF 42	13 of 23
Geneva	701	729	662	+CHF 39	7 of 21
Glarus	514	523	493	+CHF 21	13 of 26
Graubünden	507	524	474	+CHF 33	9 of 24
Jura	639	669	621	+CHF 18	4 of 21
Lucerne	526	526	466	+CHF 60	15 of 25
Neuchâtel	685	690	637	+CHF 48	12 of 21
Nidwalden	486	485	438	+CHF 48	16 of 26
Obwalden	461	490	450	+CHF 11	4 of 26
St. Gallen	518	535	494	+CHF 24	8 of 25
Schaffhausen	570	563	514	+CHF 56	16 of 23
Solothurn	581	592	553	+CHF 28	11 of 25
Schwyz	519	509	427	+CHF 92	18 of 28
Thurgau	536	537	496	+CHF 40	14 of 23
Ticino	739	701	651	+CHF 88	19 of 21
Uri	475	487	441	+CHF 34	11 of 26
Vaud	668	652	596	+CHF 72	17 of 21
Valais	528	535	460	+CHF 68	10 of 26
Zug	416	420	382	+CHF 34	16 of 27
Zurich	585	580	537	+CHF 48	15 of 27

Same coverage at every insurer

Basic insurance (KVG) benefits are identical at every insurer by law. If you switch from SWICA to another insurer, you keep exactly the same basic cover — only the premium changes. Every insurer must accept you for basic insurance, without health questions.

Leaving SWICA: dates for 2027

29 September 2026
Done: the FOPH announced the 2027 premiums.
By 31 October 2026
SWICA must notify you of your personal 2027 premium.
30 November 2026
Your basic-insurance cancellation must have reached SWICA (switch effective 1 January 2027).

Supplementary insurance (VVG) is governed separately and has its own notice periods. A new supplementary policy may require health questions.

2027 premiums: official figures by canton

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After payment is confirmed, complete the remaining details to prepare a letter for review. Nothing is sent automatically.

Frequently asked questions about SWICA

Is SWICA more expensive than other insurers?

It depends on the canton. In 2027, SWICA's standard model is below the cantonal average in 16 of 26 cantons. The biggest gap to the cheapest offer is CHF 92 per month (Schwyz).

How do I cancel my basic insurance with SWICA?

With a written cancellation letter that reaches SWICA by 30 November. The switch then takes effect on 1 January. You need a confirmation of acceptance from your new insurer first.

Will I lose coverage if I leave SWICA?

No. By law, basic insurance offers the same benefits at every insurer. Supplementary insurance is separate.

Independent comparison based on official FOPH 2027 premium data. Not affiliated with SWICA. We compare and inform — we do not provide advice.