Optimise your premium and save money every month

SWICA offers you various ways of saving on premiums: you can switch basic insurance model while enjoying the same premiums. You can also benefit from lower co-payments if you have also taken out supplementary insurance with SWICA. Below you'll find more attractive options for optimising your premium.

Overview

Compare and optimise premiums

Cut the cost of premiums without compromising on quality and enjoy a range of other favourable conditions.



Save on basic insurance

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.

Save on hospitalisation insurance

Reduce your premium by increasing your co-payments or enjoy additional discounts of 15% to 68%* by choosing a HOSPITA-FLEX or HOSPITA hospital list model.

Combine your advantages

If you buy both basic and supplementary insurance from SWICA, you automatically benefit from reduced co-payments. By combining your cover with the SANTE basic insurance model you can also reduce your hospitalisation premium by 15%.

Premiums based on your age when you joined

The premiums that most health insurers charge for supplementary insurance increase noticeably every five years. By basing its rates on your age when you buy the supplementary insurance, SWICA factors the time you have been insured into the premium calculation, rewarding you for your loyalty.

Group discounts and exclusive sports contributions

Thanks to partnerships with numerous businesses and associations, their employees and members enjoy group discounts on supplementary insurance plans and annual sports contributions of up to 900 francs* (e.g. for tennis, rock-climbing, cross-country skiing, dancing or golf).

Special offers for recreation and health

Numerous day-trip destinations and offers are just waiting for you to discover them. SWICA customers can enjoy discounts and promotions from a wide range of health and recreation partners through the special active4life offers.

Save on basic insurance

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.

Save on hospitalisation insurance

Reduce your premium by increasing your co-payments or enjoy additional discounts of 15% to 68%* by choosing a HOSPITA-FLEX or HOSPITA hospital list model.

Combine your advantages

If you buy both basic and supplementary insurance from SWICA, you automatically benefit from reduced co-payments. By combining your cover with the SANTE basic insurance model you can also reduce your hospitalisation premium by 15%.

Premiums based on your age when you joined

The premiums that most health insurers charge for supplementary insurance increase noticeably every five years. By basing its rates on your age when you buy the supplementary insurance, SWICA factors the time you have been insured into the premium calculation, rewarding you for your loyalty.

Group discounts and exclusive sports contributions

Thanks to partnerships with numerous businesses and associations, their employees and members enjoy group discounts on supplementary insurance plans and annual sports contributions of up to 900 francs* (e.g. for tennis, rock-climbing, cross-country skiing, dancing or golf).

Special offers for recreation and health

Numerous day-trip destinations and offers are just waiting for you to discover them. SWICA customers can enjoy discounts and promotions from a wide range of health and recreation partners through the special active4life offers.

BENEVITA bonus programme

The more you do for your health, the more you get back. Thanks to the BENEVITA bonus programme, you can reduce the premiums for COMPLETA TOP, COMPLETA FORTE and HOSPITA supplementary plans by leading an active and healthy life.

Personal consultation

Would you like more information on SWICA or a personal consultation? 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 consultation Calculate your premium

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.»
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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.»
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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.»
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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.»
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Oliver Etter
«The people at SWICA are always very friendly and helpful when I contact them and provide me quickly with the information I need. I know that there are other insurers with lower rates, but I've always appreciated SWICA's service. The fact that I've been with them for years clearly says a lot.»
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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.»
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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!»
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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.»
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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.»
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Max Gugger
«SWICA gave me all-round support when I had an accident abroad. It was a great relief»
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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.»
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