Same quality for less money, thanks to an attractive premium discount

Depending on canton, you can save up to 22% on premiums by choosing an alternative basic insurance model. You can cut your premiums even further by increasing your excess. SWICA also offers family discounts for children and young people.

Go to the basic insurance models

Optimizing basic insurance

SWICA rewards a sense of personal responsibility with premium discounts: the higher the franchise, the more attractive the premium.

Annual franchise
in CHF
Maximum deductible
in CHF
Maximum cost sharing
in CHF
premium discount
in %
Max. premium reduction per annum in CHF
300.– 700.– 1,000.– 0%  
500.– 700.– 1,200.– 6% 140.–
1,000.– 700.– 1,700.– 20% 490.–
1,500.– 700.– 2,200.– 30% 840.–
2,000.– 700.– 2,700.– 40% 1,190.–
2,500.– 700.– 3,200.– 47% 1,540.–

The franchise may be adjusted annually (SWICA must be notified of any increase by 31 December and of any reduction by 30 November).
  • Minimum annual franchise: CHF 300
  • Maximum annual franchise: CHF 2,500
  • Children are exempted from the franchise


The deductible at present is 10% (or 20% with certain medicines) and is calculated for all benefits that exceed the sum of the annual franchise. The maximum deductible per calendar year is CHF 700 for adults and CHF 350 for people under 19 years of age.

We look forward to providing you with comprehensive advice.

Our staff members look forward to assisting you and offering you professional and comprehensive advice. The customer service line is available whenever you want to call – even outside office hours and at the weekend. Call our toll-free hotline at 0800 80 90 80

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