Lower your SWICA hospitalisation insurance premium by increasing your co-payment. Opting for a Hospita Flex model or the Benevita bonus programme will save you even more.
SWICA is the only health insurer in Switzerland that offsets the co-payment on your basic insurance against the co-payment on your supplementary insurance plans. As a result, your maximum annual co-payment is significantly lower than at other health insurers.
Most health insurers raise their supplementary insurance premiums substantially every five years. This often results in a high financial burden in old age. By basing its rates on your age when you first buy your supplementary insurance, SWICA factors the time you have been insured into the premium calculation, rewarding you for your loyalty.