Semi-private or private hospitalisation insurance with global cover


With STANDARD you decide before each visit to the doctor which doctor or specialist you want to consult. The scope of cover is the same for all basic insurance models; the only difference is the choice of contact point. The premiums for basic insurance vary depending on the insurance model, region, age, and excess amount. In addition to the STANDARD model, SWICA offers five other basic insurance models which enable you to benefit from attractive premium discounts.

Overview of basic insurance benefits

The various basic insurance models all offer the same benefits. The only difference between classical basic insurance and a STANDARD plan is the choice of contact point. Please see this benefits overview for detailed information. 

All benefits in detail

The STANDARD model

  • The classic form of mandatory basic insurance protects you against the cost of outpatient treatment and of treatment in the general ward of a contract hospital in your canton of residence.
  • You have free choice of doctor anywhere in Switzerland and can consult your doctor directly.


Under the Federal Health Insurance Act (KVG), everyone who is resident in Switzerland must have basic insurance. This guarantees basic medical care in the event of illness, accident and maternity. Under the KVG, all health insurers must offer the same benefits in basic insurance.
With STANDARD you have free choice of doctor anywhere in Switzerland and can consult your doctor directly. Alternative insurance models apply restrictions and/or obligations in this regard.

The classic form of mandatory basic insurance protects you against the cost of outpatient treatment and of treatment in the general ward of a contract hospital in your canton of residence.
The deadline for submitting notice of a change effective from 1 January of the coming year is 30 November.

The STANDARD basic insurance plan with a franchise of CHF 300 can also be terminated with effect from 30 June, as can the STANDARD basic insurance plan without an annual franchise, subject to receipt of notice by 31 March.

You can adjust your franchise every year with effect from 1 January.

If you change your place of residence, a change in the basic insurance plan is possible during the year with effect from the first day of the next month. This applies equally if you change to a FAVORIT plan of SWICA or change from one FAVORIT plan to another.

Please submit your notice of termination by the specified date, together with confirmation of acceptance by your new health insurer. Please note that it is not the stamp date that determines whether your termination is accepted. Notice of termination is only valid if received by SWICA on the last working day before the deadline.
Termination is possible on the condition that no premiums, cost sharing, interest on arrears or debt collection fees for the basic insurance are outstanding.

Request consultation

You can benefit from attractive premium discounts by choosing an alternative basic insurance model. By increasing the excess you can cut your premiums even further. SWICA also offers family discounts for children and young people.

Find out more

SWICA and PROVITA are the only health insurers which apply co-payments from their basic insurance to SWICA supplementary plans, which means the maximum annual cost to policyholders is substantially lower than it would be with other health insurers.

Find out more

SWICA offers other basic insurance models with attractive premium discounts. In addition to the STANDARD model, you can choose between five alternative FAVORIT variants. The benefits are the same for all models. The only differences are the choice of contact point and the reduced cost.

Find out more

Free advantages for all SWICA customers

All SWICA customers enjoy the following services free of charge:

Premium calculator and online purchase for basic insurance

It’s never been easier to change your insurer. The premium calculator enters into dialogue with you and reacts to your requirements, quickly producing a personal offer for first-class insurance cover. The premium calculator automatically suggests the most suitable insurance package and recommends the most favourable basic insurance model. You can afterwards adapt your choice as you wish. Also, it's now easy to buy basic insurance online, which means that you can avoid a lot of red tape. Give it a try now.

What should you do in emergencies?

In an emergency you should directly contact your doctor, local emergency centre or SWICA's santé24 telemedicine service on +41 44 404 86 86.


Personal consultation

Would you like more information or a personal consultation? SWICA Client Services would be happy to assist. Call us on 0800 80 90 80 or send us a message using the contact form below.

Request a personal consultation

What our customers have to say.

Beatrice Grolimund
«I’ve been with SWICA since 1955; before that I was with ZOKU. I’ve never regretted making the change. SWICA’s benefits are comprehensive and effective. So, if you get sick, this gives you a good feeling, which helps you get back on your feet more quickly.»
Mattia Baldi
«My family and I trust in SWICA. I was a professional ice hockey player for 14 years and accidents were the order of the day. Our medical team always looked after us extremely well. After my sports career ended, I decided that I wanted the same care and security for my family and myself. With SWICA I’ve found the ideal partner for my family.»
Marcel Sowa
«Whether it’s processing doctors’ bills or getting help in choosing a doctor, we always have a helpful and professional point of contact. Actually, we hope that we will never need SWICA, but in the final analysis it’s good to know that we can rely on it.»
Marion Heinemann
«I’m very happy to be insured with SWICA. You only notice how good your health insurer really is when you run into a health problem. SWICA is always there for you, its advisers are very friendly, and questions about your cover are always handled quickly.
Thanks a lot for all you've done.»
Remo Kistler
«The Benevita Health Programme is really great because it motivates me to get more exercise in my daily life. And you can use the various challenges to compete with your friends.»
Theresa Blüder
«I came to Switzerland from Germany in 2017 to join my boyfriend. I signed up with SWICA thanks to positive recommendations. I had the feeling right from the start that SWICA was the right insurer for me. I was offered exactly what I wanted and at a fair price!»
Urs Dübendorfer
«The whole family has been impressed with the professional and expert advice we get from SWICA. SWICA are there to advise and support us. This is a health insurer you can rely on. You can really feel that they care about the health of their customers.»
Ursina Gabathuler
«I’ve been insured with SWICA for as long as I can remember. Fortunately I’ve always enjoyed good health, and I intend to ensure that it stays that way. Thanks to the Completa Praeventa contribution towards my gym membership and my annual membership at the pool, I am more motivated to do something to stay in good physical health.»
Max Gugger
«SWICA gave me all-round support when I had an accident abroad. It was a great relief»
Florian Allenspach
«A health insurer shows its real qualities when you become ill. When I had surgery on my back seven years ago SWICA was always there for me. I benefited from preferential treatment in the hospital and straightforward processes. I can warmly recommend SWICA to anyone.»

Die zufriedensten Kunden sind bei SWICA. Die hohe Zufriedenheit hat Tradition: Ob Comparis, K-Tipp oder AmPuls – in den unabhängigen Krankenkassenvergleichen belegt SWICA seit 10 Jahren Spitzenpositionen.

Les clients les plus satisfaits sont chez SWICA. Une satisfaction élevée qui ne se dément pas: depuis dix ans, SWICA occupe les meilleures places des comparatifs indépendants de caisses-maladie Comparis, Bon à Savoir et amPuls.

I clienti più soddisfatti sono assicurati presso SWICA. Che si tratti dei sondaggi di Comparis, K-Tipp o amPuls, il risultato non cambia: SWICA ottiene da 10 anni valutazioni eccellenti nei confronti indipendenti tra le casse malati.

The happiest customers are SWICA customers. High levels of satisfaction have become a tradition: Whether Comparis, K-Tipp or amPuls, SWICA has come in first in independent health insurance surveys for 10 years.