Increase in health insurer excess

Change franchise

You can notify us about a change of your excess online.

Optimise your premiums with a higher excess

In mandatory basic insurance, you get a premium discount of up to 47% (up to 50% for children) when choosing a higher excess. Click here for more information.

You can always change your excess at the beginning of the following calendar year. Notification of a lower excess must reach SWICA by 30 November at the latest; notification of a higher excess must reach SWICA by 31 December at the latest.

Requested franchise

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Do you have any questions?

SWICA employees will be glad to assist you. You can call our customer service at any time, even outside office hours or at the weekend. Free 24/7 helpline: 0800 80 90 80

Request a consultation

What our customers have to say

Loris Hausammann
«I do a lot of sport in my spare time, so it’s important to me to have an insurance partner which supports me financially on that front. The range of services provided by SWICA is transparent and easy to understand, which suits me very well. I also like SWICA’s friendly professional staff and the easy-to-use invoice app.»
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Jean-Claude Manghardt
«Attentive staff who respond to questions quickly and precisely, helpful advice (particularly in the magazine), a useful application featuring, for example, a simple procedure for submitting invoices and settling them promptly – these are just some of the reasons why I have been putting my trust in SWICA for more than 50 years without fail.»
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Fabienne Grass
«I really love the invoice app. It’s so easy to use. And so quick.»
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Raffaele Genna
«I really value the great assistance and support. After a skiing accident in Austria I didn't know what kind of accident insurance cover I had. A call to SWICA later on in the evening provided the information I needed and meant that I was extremely well looked after.»
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Edith Bino
«I had an unpleasant experience abroad when my insulin pump suddenly packed in. The foreign bureaucracy meant that it was far from easy to get hold of two different kinds of insulin and pens. So I eventually ended up in the emergency ward of a large hospital, where I quickly realised just how spoiled we Swiss are. The silver lining appeared after I came back home and sent the bills to SWICA. There were simply no questions or quibbles. The costs were reimbursed to my account after just ten days!

I can't thank SWICA enough for what they did. If you suffer from a chronic illness, you can count yourself lucky to have an efficient and understanding health insurer. Thank you very much.»
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Adriana González
«When things got really difficult, SWICA was there for us. When my son was only one day old, he was transferred to the university hospital because it looked like he needed to have abdominal surgery. Because I have private insurance with SWICA, I was able to stay overnight in the hospital and breastfeed my son, which was certainly very important in the first days of his life.»
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Sabrina Nussbaumer
«Very friendly customer service.
They reimburse claims very promptly with a minimum of fuss.
I’ve been a customer of Swica for 39 years already and will remain so for many years to come.
Many thanks Swica!»
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Peter Markstaller
«After various frustrating experiences with other health insurers the personal professional advice provided by the SWICA representative persuaded me, even though SWICA is somewhat more expensive than other insurers. I’m a really happy customer: great service, professional advice, clear invoicing... SWICA is going to have to do something special to get rid of me»
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Ivo Lacic
«I was really taken by the SWICA customer advisor’s pleasant and friendly manner. She explained all the products to me, didn’t push me to choose anything and was happy to respond to my ideas. The information and benefits for healthier living are outstanding. The apps are simple and uncomplicated. Exactly what I need for my family.»
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Vivienne Audemars
«I’ve been a loyal and proud SWICA customer for several years now. Thanks to SWICA’s ideal supplementary insurance plan I had the opportunity following a snowboard accident to recover thanks to fitness centres, physiotherapy and massage centres. This has enabled me to get back to my passion – dancing.»
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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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Caroline Künzle
«I'm thrilled with SWICA's easy invoice processing and with santé24, which is available 24 hours a day to answer questions and is always patient and very friendly! Thank you for allowing me be one of your customers. I'm very grateful!»
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André Eiermann
«I landed, together with my wife and daughter, in Tokyo. My plan was to spend five months in Japan preparing for the World Barista Championship. Just a week after we arrived we were delighted to discover that my wife was pregnant. Thanks to fantastic support from SWICA, all of the doctor's appointments in Japan – so far away from home – went smoothly. And all the associated costs were also covered. This meant that my wife was able to enjoy her pregnancy and I was free to concentrate fully on preparing for the championships. Incidentally, thanks to my intensive preparations I came 10th in the world championships. Since then I have travelled all over the world for coffee.

Recently SWICA was able to help me again. I needed some documents for my Russian trip and SWICA sent all of them to me overnight. One phone call was all I had to make. Thanks to SWICA’s speedy support I was obtained my Russian visa in good time and was able to make my presentation in Moscow as planned.»
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Bernd Böhme
«The website is clear, straightforward and informative. I particularly like the BENEVITA app, which addresses interesting topics on a daily basis and really inspires me. All in all, I am a SWICA fan and try to persuade as many people as possible that, if they want to have the best possible partner for comprehensive health care at their side, they should do as I do and choose SWICA!»
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Aike Festini
«I do a CrossFit workout three or four times a week, enjoy swimming and love relaxing at spas. With my active lifestyle, SWICA is the ideal choice for me because it has something to offer in all these areas. I also like the straightforward digital information exchange.»
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Vincent Faysse
«Digital insurance! I very much appreciate the services provided by the website and the mobile app: easy document transfer, a complete picture of your coverage, a wide range of information, etc.
It’s a real time-saver!»
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Thomas Pfiffner
«I've been a satisfied SWICA customer for many years now. I've been using TytoHome as a test customer since 2020. It's very useful and has also been very beneficial during the holidays. I'm convinced of the value of this product. I also appreciate SWICA's contribution towards my cross-country ski pass.»
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Andrea Stutz
«When I call SWICA, I always have friendly, helpful advisers on the other end of the line. So far, they've always been able to answer my questions and I've been happy with the outcome.
I also appreciate the app-based services which help me avoid tiresome paperwork.»
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Michael Griebsch
«Taking part in the TytoHome pilot saved us several visits to the doctor, and the feedback fed back directly into improving the service. We’re now keen users of telemedicine.»
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Marcel Wild
«TytoHome is very easy and straightforward to use. Nothing can go wrong if you read the instructions. TytoHome gives me more flexibility and lets me do things when I want to. I strongly recommend using TytoHome.»
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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.