Step 1 Register Sign up for our referral program and get your personal referral link. You can use the link multiple times.

Step 2 Share your referral link Tell your friends and adult family members about SWICA and share your personal referral link with them via email, WhatsApp or text message.

Step 3 Receive a voucher Friends and adult family members can use your personal link to book a consultation. If this results in them becoming a new customer, we will reward you with up to 100 francs. You will receive a digital gift code that you can redeem with many popular retailers.

From Comparis, bonus.ch, AmPuls and moneyland.ch, SWICA once again topped the Swiss health insurer rankings for excellent service in 2025. (<a href="https://crmstudio.swica.ch/public/e/l/Teilnahmebedingungen?lang=en&amp;_gl=1*1uwt4ap*_gcl_au*OTQ5Nzg3NTQ3LjE3NzY3NTUzODE.">Terms and conditions</a>).

Recommend SWICA now to get your 100 francs

Professional, straightforward, fast advice provided by the agency in Aadorf.

I never claimed benefits from my health insurer in the 37 years that I had my policy. But when I became seriously ill, I found SWICA to be fully reliable. Its staff was always professional and friendly, and I could always count on the benefits they promised.

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.

I’ve been with Swica for 13 years and am very satisfied. Whenever I get cold calls about health insurance I tell them No thanks, I’m already with the best!!

Out of habit, I had always contacted my German health insurer until now, even though I have cross-border commuter insurance with SWICA. However, for the birth of my twins, I decided to choose a Swiss hospital. I am delighted with the services and support I receive here as a pregnant woman. The staff are very friendly and helpful: I was able to visit the neonatal intensive care unit and discuss the entire process after the birth in detail. This thorough preparation gives me confidence and reduces the stress that comes with giving birth. This allows me to fully focus on this joyful event. By the way, during my hospital stay, services such as a pedicure are even provided – another great advantage for me.

I've been with SWICA for 50 years. I really recommend this insurance company because of how understanding it is, the fast payments and everything it does to help remedy the different illnesses we might come across in life.

Care Management has really changed my life. Ms Wunderli has made so much possible for me with the disability insurance and is helping me with all the issues in my life. She has always actively supported and encouraged me. Thanks to this, I now have a second chance and can finally get back on my feet and plan ahead. Last year, I never thought I could achieve all these things in 2019, even with the help and encouragement of Ms Wunderli. I’m deeply thankful for all the help and recommend this service to everyone. I think SWICA's Care Management is excellent.


This partnership helps our organisation move forward. As an SME, we work very closely with SWICA. We have illness rates that are higher than we would like and are trying to develop our occupational health management so that we can get the situation under control. My direct SWICA contact is available to provide advice practically around the clock.

I’m never really ill, but during my summer holidays the SWICA helpline provided me with rapid straightforward help, even though I was abroad at the time and in a different time zone.

TytoHome: I’ve had very good experience with it. It's easy to do the measurements, and you can see the values and results right away. You can then discuss them and the diagnosis and prognosis with your doctor by phone afterwards. In effect, this means you now have the doctor "at home" and won't have to wait for an appointment.

We have come to know SWICA as a strong partner over many years. We collaborate on issues that go far beyond the scope of classic daily sickness benefits insurance. We benefit, for example, from SWICA's experience in case management and prevention campaigns.

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.

I’ve been insured with SWICA for over forty years, and my two adult sons have been for their whole lives. I even registered my younger son, who was born in 1992, while I was still pregnant. SWICA may be a bit more expensive, as you often hear, but it’s not just the benefits that are perfect. So is the advice you get from the General Agency and over the phone. I’ve never had any problems in Switzerland or on trips abroad thanks to SWICA’s fast and straightforward processing. Given a choice I will always opt for SWICA as the health insurer for my family.

Everything great. Dealt with concerns promptly. Will be glad to recommend!

I am very happy with my personal contact person, Melike Öztekin. Ms Öztekin's clear communication and friendly manner makes the whole process easy to understand and this results in hassle-free care. Well done!

I'm 76 years old, I've been with SWICA for donkey's years, and I've NEVER had any problems with billing. My telephone enquiries have also always been handled to my complete satisfaction. I'm a SWICA customer for life! :-)

Every Swica experience has been completely satisfying for me. In the many years I've been with Swica, I've always been very satisfied! Capable, motivated, reliable, friendly and fast. What more could you ask? Quite simply the number one.

I believe that the year I became a SWICA customer, namely 1964, says everything about my satisfaction with SWICA. If I wasn't satisfied, I'd have switched to another insurance company long ago. 

For me, SWICA is the best health insurer in the world

I’ve been a SWICA client for seven years now and it was only in 2018 that I became aware of the company’s Care Management service. It involves SWICA staff offering support to patients by listening to their needs and sensitive health issues with discretion, empathy and a personal touch. In my case, I was able to resolve several issues, from help with administration and red tape, to above all finding the right healthcare pathway and the right doctor. The Care Management service provides a genuinely human relationship. Patients get a one-on-one chat to go through their problems, whatever they may be, and seek a satisfactory solution. With this service, I’ve been treated as a patient with a health problem that needs solving and not just as a client.

I had a great consultation today with Michel Luu regarding the optimisation of my policy and my premium. It was professional, friendly and clear. Thank you!

During my stay at the rehabilitation clinic following an accident, it was suggested to me that I work with a SWICA care manager, who would be responsible for helping me to find the support I needed to cope as best I could with my return home. I weighed up the suggestion together with my family and we decided to accept. We were incredibly glad we did. We met someone who was really friendly, very well prepared and equally helpful, who found the right solutions and the right forms of support for me. These allowed me to regain my “independence” one year down the line.
It was a very positive experience that I would have no hesitation in recommending. 
I would like to thank my care manager and SWICA.

I’ve been insured with SWICA – or its predecessor OSCA – since birth. I am very happy with the customer service and always look forward to talking to my customer advisors in Heerbrugg. If I have questions, they are always there, always friendly, and always ready to listen to my concerns.

I really love the invoice app. It’s so easy to use. And so quick.

I suffered a stroke. Not long after, it was suggested to me that I have a kind of case manager to support my recovery, help me with any difficulties and with paperwork, and propose various forms of assistance.
The person assigned to me was a great help, not only during the episode itself but also for a long time afterwards.
I was pleased to be able to take advantage of this invaluable free service, which supported and assisted me hugely through my physical and emotional difficulties.

I’ve been with SWICA for 25 or 30 years and they’ve always taken great care of me. It has never occurred to me to switch to a different insurer. Once SWICA, always SWICA.

I've been with SWICA since I was 16. It used to be called ZOKU. Today I'm 77 years old. I'm still a customer, which means I'm very satisfied with SWICA.👍 

My wife and I have been customers of the Aadorf branch for years. When you enter the office there you get a good feeling. The people who work there are always very friendly, obliging and professional. You're made to feel like a customer they want to help rather than merely a number or someone imposing on them. They're genuinely keen to sort out your problem or respond to your request. Even if they can't help you there and then, someone always gets back to you promptly. Keep it up! We can only warmly recommend Swica, especially the Aadorf branch!

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.

Both my parents and I have been insured with SWICA for our entire lives. We have never had any problems or experienced any disappointments. We couldn’t be happier!

We would very much like to thank Valentina Camera at the agency in Thun for her professional advice and helpful explanations.

Following an illness, SWICA provided me with someone to support and assist me the whole time – my care manager. I believe that this person is extremely important from a psychological and practical point of view. My care manager (Romano Cirasuolo) was there for me throughout my rehabilitation, helping me to organise all my medical and personal affairs. Care managers facilitate and coordinate patient care by setting goals so that patients can continue on their path to recovery with total peace of mind. I got on really well! The service provided by SWICA is FREE. My care manager enabled me to face my illness without ever feeling alone.

I’ve been insured with SWICA since 1 February 1988. SWICA is the BEST health insurer for me!! With SWICA's help, I have had the good fortune to survive something bad. Everything is always very pleasant with the team in Zug too.

The decision to remain with SWICA is based on decades of positive experience. I’m absolutely delighted with Benevita. I regularly take part in step competitions and I’m delighted if I come in the top eight. This membership has brought a positive dynamism into my life.

I have been very satisfied with SWICA for over 40 years, particularly in the period before and after the birth of my son, who was born with a severe disability. Even though the IV takes care of most of the costs, SWICA was always there for me when I had questions or concerns. It really is a good feeling to be covered by this health insurer!

Ms Rieder was very professional and helpful and advised me well after my skiing accident to make sure I got the best care while I was in hospital after the surgery. She also helped me to cope with a tense and overwhelming situation after I was admitted to hospital. This gave me confidence as I faced the surgery. Thank you very much!
Also on the phone, Ms Rieder was always friendly, patient and willing to share information – a really customer-oriented person. I wish everyone in the service sector was as genuinely helpful as she is.

Employed, then self-employed, then employed again: each time I got such sound advice from SWICA that I don’t have the wrong insurance or gaps in my cover. That’s what I like about SWICA.

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.

As a family, we’ve been insured with SWICA for years now and we're 100% satisfied! SWICA covers a large part of the cost of swimming lessons for our children. Our middle child goes to dances classes, and I was amazed to find that SWICA is the only health insurer which helps out with the cost. Fantastic!!!

But that's not all... SWICA was also there for us during an extremely difficult period. Our son became very ill when he was just 16 months old. My husband and I were given a parents’ room at the children’s hospital, even though I was no longer breastfeeding. The situation was looked into and a decision was taken to cover these costs. Really thoughtful and family-friendly. Ever since then we wouldn’t consider any other health insurer! You are the best! Our son has made a full recovery 😉.

SWICA has been able to provide professional assistance to me and my family, regardless of the subject area. The adviser is so friendly that he’s almost become part of the family. SWICA offers a check-up which my husband decided to take advantage of. Although he doesn’t like doctors, he was really delighted with it.

I’ve been insured with SWICA since childhood and have always received excellent advice. Care Management helps me with my back problem and my communications with the disability insurance authorities (IV). This really takes the pressure off me. I’m very happy and would recommend SWICA to anyone.

We have worked closely together with SWICA for many years now. As a production company with a lot of physically demanding work, the health of our employees is our top priority. SWICA provides us with professional advice and assistance in all matters relating to occupational health management.

When I contacted SWICA about supplementary insurance, your customer advisor, Kristina Vesic, dealt with my request in a friendly and professional manner and at the same time optimised my existing insurance cover to better fit my needs. Such proficient advice and assistance is exemplary and reflects the quality of SWICA as a reliable health insurance partner.

We've all had calls from health insurers offering us lower premiums and asking us to switch to them. However, in the case of my family and me, the excellent service and care we get from the SWICA office in Olten have kept us there as loyal customers for years. Most of my dealings with SWICA have been with Renate Peter, who helps me with whatever I need and gives great advice. Policyholders often face complicated issues, but I could always count on SWICA's help and appreciate their friendly style – something not to be taken for granted these days. So, I’m happy to share my experience with SWICA with others. Keep it up! By the way, having had the same contact person for years tells me that the Olten branch must be a good place to work.

I would especially like to thank Hugo Garcia for his speed and professionalism in dealing with my supplementary insurance request. He is very easy to talk to and really listened to my needs.  I'm very happy to have been in contact with him. I wish him every success in his work.

For our family, only the best is good enough. Thanks to SWICA, we were able to enjoy the first hours and days together in a family room after our daughter was born. It’s wonderful and reassuring to know that, if anything happens, we as a young family are in good hands with SWICA.

In SWICA, I’ve found the perfect advisor: competent, efficient and always available, whether it’s for providing advice on services, handling administrative matters or settling claims. My whole family is insured with SWICA. My wife and I are very keen to lead a healthy lifestyle, and take advantage of the tips that we get from the Benevita programme regarding our diet and physical activities.

Insurance consultants have a reputation for acting in their own interest and talking their customers into buying certain products. With my SWICA advisor, however, I managed to have an open, transparent and friendly conversation that helped me feel confident – the basis for a long-term partnership.

I've been insured with SWICA practically since I was born. SWICA is there for you around the clock and is an absolutely reliable and competent advisor in all health matters.

The customer support is just great. Always very professional and on the same time very friendly. Any medical consultations I get over phone give me the impression that the people, nurses and doctors involved know well their topic and provide support with a nice human touch. Moreover any time I have some administrative question or request the reply or resolution is prompt, which is rare. SWICA, thanks again for the great customer support, keep on!

For me, Swica means a lot of heart, friendliness and helpfulness. I've never experienced anything like it! I always find Swica to be competent, understanding, enthusiastic, thoughtful, customer-friendly and good-humoured. I can and will heartily recommend Swica anytime.

I’ve had insurance from SWICA for many years and have always been happy with how they handle my concerns. Also when I call them they are always friendly and helpful.

I had three cancer diagnoses. Thanks to SWICA’s generosity, I was able to have all the necessary operations and treatments very quickly. That’s 11 years ago now, and today I’m in excellent health.
Many thanks to SWICA and best wishes

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!

Mr. Salomon in Aadorf is a very helpful and dedicated person, he can help us in terms of insurance policies and private support for health related issues. When we need, we know that Herr Salomon is always there. Thank you so much.

I’ve been a Swica customer for 22 years. I’ve always been satisfied with what they offer. Whenever I need Swica, I get very good assistance – both financial and telephone support.

Last year I started running, changed my diet and began taking better care of myself. So I was looking for an insurer which would support me in my new health-conscious lifestyle. As soon as I came across the Benevita bonus programme, my decision was made.

I arrived in Switzerland at the start of 2016. The SWICA customer advisor took me through the entire system in great detail and with enormous patience and explained what I had to look out for as regards insurance and what was right for me. With SWICA I feel that I’m taken seriously, in safe hands and fully supported. Simply wonderful!

I’m currently at a rehab centre getting some really excellent treatment. I’m also aware that all this costs a lot of money. SWICA has made this possible for me, and I’m therefore convinced that they take me seriously and know that this is what I need. And, yes, my rehabilitation has been a great success!!! I never thought that this would be possible, but SWICA has provided me with the best option. I’ve regained confidence in my health and am fully committed to maintaining it with all I've got, and I hope to even improve it with some luck and willpower.

And during my illness I was able to support my son while he had his first operation. This, too, was not a problem, which made all of us very happy.

I was working for GKB when the head of the SWICA agency in Chur explained to us that, as employees, we could insure ourselves collectively with SWICA. Even though I left GKB after eight years, I – along with my entire family – was able to remain collectively insured with SWICA for years afterwards.

Thanks to SWICA and My Coach I’ve been able to change my eating habits and get closer to my ideal weight. Nowadays I feel much better and my quality of life has improved.

In the past few weeks I had to have surgery twice. Settling the claims has gone smoothly. Today I even got a phone call from someone at SWICA asking how I'm doing, and whether I'm satisfied with how everything went. To me this is a health insurance company really going above and beyond! I'm a big fan. Thank you for this excellent service.

As the mother of a 3-year-old I’ve already contacted sante24 several times about ‘childhood illnesses’. I don’t like running to the doctor about every little thing. The initial telephone assessment and expert advice have generally been so good that I haven’t needed to bother our paediatrician.

We always want to offer our customers the best products. To achieve this, we need qualified employees who are willing to work hard. This means that effective occupational health management is indispensable in the Hilcona Group. Investing in occupational health management makes sense for us and is key to the sustained success of the business. We therefore appreciate the professional support we receive from SWICA. Perfectly rounded off by a precisely tailored training offer and competent trainers.

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.

I have been a very satisfied SWICA customer for many years now. I'm lucky enough to be in a good state of health, but I know that I can always rely on SWICA.

I received very competent and friendly advice from a qualified nurse, and a very short time later got a call back from the specialist. I felt I got very good advice.

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!

For a long time I resisted the idea of switching to a new health insurer. Then I gave SWICA a chance and was blown away: I had never experienced such quick, personal and professional contact in the 20 years that I was with my old insurer. This initial contact with SWICA confirmed for me that I’ve now found the right health insurer.

It was at Christmas. We were abroad and had forgotten to take our little daughter’s medication with us. Thanks to sante24 we were able to pick up the medication at the nearest pharmacy. You can always rely on SWICA and sante24!

With Swica’s services and expert advice by phone or in person, I’m well looked after in every area of my life.  From OSKA to Swica I’m always very satisfied: no reason to change insurers.

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.

Excellent support at every level, whether in person or via the Benecura app. Thank you!

Our whole family is insured with SWICA. I would recommend SWICA to anyone who asks me to suggest a health insurer. My customer advisor is so friendly and good-natured that any problems I have immediately seem smaller. I never hesitate to call her.

S = Socially responsible
W = Wonderfully efficient
I = Incredibly friendly
C = Calmly reassuring

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.

As chronic pain sufferer with an implanted neurostimulator I have a long and painful path behind me. I've had to go through a number of rehabilitation programmes and operations. Through the whole process I have always been able to rely on SWICA. In fact, it's only thanks to this great support, the job coach and the care provided by Ms Vidale that I've been able to find my way back into the job market. I am infinitely grateful and more than happy that I have such a great health insurer!

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.

Tip top! I am very happy with SWICA. The advisors are knowledgeable and friendly, and my queries are always dealt with quickly and reliably. I feel well looked after and I appreciate the professional service. Would absolutely recommend.

Our working life is becoming increasingly flexible and diverse. But SWICA has shown to be open to new ideas and adapts to our needs. Be it for presentations, consultations or the annual flu vaccination campaign, SWICA has always been a professional and trustworthy partner.

I've had insurance from SWICA for many years and have always been very satisfied! Their customer service is very good, and their advisers are very friendly (you won't get brushed off)! They are there to answer questions any time, and claims are always handled quickly!
First-rate health insurer

I find the service, which is provided without a hitch, really great.
They answer my questions and call me back on the same day.
Thank you very much, SWICA. I am a loyal customer.

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.

My wife and I have been insured with SWICA for many years and are very happy with its service and the efficient way it handles our invoices. We also think that its premiums easily match those of other health insurers.

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!

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.

SWICA is the best health insurance provider in Switzerland. I'm covered only within my canton, and after some very difficult operations I wanted to go for rehabilitation outside my canton. Swica approved this for me without hesitation. Thanks to Swica I can now reasonably walk again as the rehabilitation is extraordinarily good. Thank you, Swica.

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 Praevita 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.

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.

I was ill last year. SWICA helped me by offering an excellent range of services (phone-based advice, work reintegration options etc.) and providing them in a straightforward way (cover note for necessary measures, co-payments for alternative methods, etc.).

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.

SWICA pays 800 francs towards my gym membership. And it offers the Benevita bonus programme which helps people who enjoy exercise and have a health-conscious lifestyle to keep their premiums down. I would recommend SWICA to anyone who is interested in exercise and health.

We are satisfied with SWICA’s services in every respect and have found their Client Services always to be friendly and helpful. The coach who's there when someone has an operation, for example, ensures that things stay calm, and we can get help quickly and easily if needed.

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!

Very knowledgeable and friendly advice given over the phone by Mr Salomon, the advisor.

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!

Thanks to Telmed, we knew what to do.
The hospital wanted to pass us on to an expensive 0900 number.
But Swica knew better! Bravo! And thank you.

SWICA is the best health insurer in Switzerland by far. I tried CSS, Arcosana, Concordia and others, but then I switched back to SWICA. Thanks to SWICA, instead of having more than 12 days of migraines a month, with the injection I now only have one day and my quality of life is so much better! SWICA is very straightforward, fast and has fantastic customer service!

We are always satisfied with the services, processes and professional advice we receive from SWICA.

santé24 always gives very good, knowledgeable and friendly advice over the phone. Thank you!

I joined Benevita in 2016 and it has changed my life completely. I put much effort into a healthy life, including exercise, food, sleeping and so on. Since then, I feel I am much healthier and happier both physically and mentally. Recently, I got my 300 healthies surprise, which make me more motivated to keep strong. Thank you SWICA for helping us in our healthy life.

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What our customers have to say

SWICA – No. 1 for customer satisfaction in multiple rankings

Because health is everything. We're here for you.