Optimizing basic insurance
SWICA offers alternative basic insurance models across all areas. Depending on your canton and region, you can benefit from great discounts on your premiums versus conventional basic insurance. You'll find information on the six SWICA FAVORIT models under basic insurance.
|Maximum cost sharing
|Max. premium reduction per annum in CHF|
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.
SWICA offers family discounts for children and young people.
- Children: A premium discount of 76% is available for the first two children and 90% for all further children, based on the adult premium for basic insurance.
- Young people aged between 19 and 25 receive a 25% premium discount.
Anyone who does more than two months (at least 60 consecutive days) of military service (recruit school, service) may request a reduction of their premium in the basic insurance. The confirmation can be submitted to SWICA before or after the military service. The premium for the basic insurance is completely suspended for this period or reimbursed after later submission.
The cantons grant premium reduction to people in modest financial circumstances. This support varies from canton to canton. SWICA recommends that low-income families and individuals contact the department responsible in the canton where they live to establish whether they are entitled to a premium reduction.