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<h3>First place: best in industry with Comparis</h3><p>In the 2026 comparison of health insurers conducted by Comparis, SWICA received the best rating in its industry (5.1). We are among the leading providers with regard to quality, service, information, transparency, touchpoints and contact, as well as overall satisfaction.</p><p>(Source: <a href="https://www.comparis.ch/krankenkassen/umfrage/hitlist">comparis.ch, July 2026</a>)</p>

<h3>First place: &nbsp;bonus.ch customer satisfaction survey</h3><p>In the 2025 customer satisfaction survey conducted by the comparison site bonus.ch, SWICA once again came out on top with an overall rating of 5.3. SWICA received impressive ratings in all sub-categories, from contract processing and benefits to customer service, which meant that it placed top across the board.</p><p>(Source: <a href="https://www.bonus.ch/Krankenkasse/Vergleich/Krankenkassenpraemie.aspx">bonus.ch, August 2025</a> (in German))</p>

<h3>First place: AmPuls customer satisfaction, product range and company image</h3><p>In the 2026 AmPuls survey, SWICA once again came first for customer satisfaction and reputation. One highlight was coming first in the new “product range” category. This recognition encourages us to continue supporting our customers with all of our commitment, heart and expertise.</p><p>(Source: AmPuls, June 2026)</p>

<h3>First place: Accenture Health Insurance Excellence Award 2023</h3><p>SWICA also achieved first place in the independent health insurer analysis carried out by Accenture, which found that SWICA offers its customers very attractive insurance products and premiums. The consumer survey conducted by the management consulting firm also rated SWICA as the best health insurer.</p><p>(Source: Accenture KV Studio Factbook 2022)</p>

I'm so grateful to be insured with such a good health insurer. You fully deserve your top ranking among the health insurance companies. Many thanks also for the support, which is always friendly, whether it's in Amriswil, Winterthur or santé24.💚

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.

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.

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!

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 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.

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.

I have been a very satisfied SWICA customer since my childhood. At present I’m studying at the Belvoirpark hotel management school. Through my job as a catering professional I know that quality and good customer service are absolutely essential for every company. SWICA has been delivering this service for 25 years.

Absolutely outstanding health insurance! The best insurer you could wish for, especially here at the Kloten agency, and most especially Janine Peter!

I can wholeheartedly recommend SWICA when it comes to every aspect of health. SWICA genuinely always aims to support its customers with advice and assistance, with a wealth of knowledge, experience and understanding.
That's why, after many years as a SWICA customer, I would like to highly commend them.

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.

I haven’t needed doctors very often in my life...
but SWICA was there when it hurt!

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

I've been with SWICA now for two years. My experience with this health insurer can hardly be put into words. Very friendly and professional advice from my consultant plus straightforward invoice processing. Wonderful health insurer! I'll be happy to recommend it to other people.

The people at SWICA are always very friendly and helpful when I contact them and provide me quickly with the information I need. I know that there are other insurers with lower rates, but I've always appreciated SWICA's service. The fact that I've been with them for years clearly says a lot.

I’ve been insured with SWICA for decades and I’m delighted. Praeventa is brilliant because I buy orthopaedic shoes for my damaged feet and have been able to do preventive physiotherapy. SWICA is so good that I’ve been rejecting the overtures of other insurers for years.

I'd like to express my sincere thanks. I'm very happy with Swica's services, their caring, friendly and expert handling of my case, and the way they support their customers. I'd particularly like to thank Mr Salomon, who worked on my case in a capable, friendly and warm manner. He kept me well informed and always followed up with me promptly to provide updates without my having to ask (something I had never experienced before). I can recommend Swica Aadorf with absolutely no reservations.

I was very well received in Neuchâtel. All the staff are very attentive and smil-ing, which is really lovely! My appointment with Mr. Joao Ribeiro was very useful. His explanations were very clear and he gave me excellent advice. I’m very satisfied with my visit and I’m even more delighted to be a member of SWICA. Thank you for everything and I look forward to seeing you soon!

Whether it’s processing doctors’ bills or getting help in choosing a doctor, we always have a helpful and professional point of contact. Actually, we hope that we will never need SWICA, but in the final analysis it’s good to know that we can rely on it.

SWICA is a reliable partner to our company. SWICA is right for us as a company thanks to its professionalism and highly developed personnel management system. They are great people to work with and extremely professional when it comes to training. It’s a wonderful feeling to work with such a great partner.

I am very happy with SWICA. The customer service team is always professional and knowledgeable when providing information. I have had health and accident insurance with Swica for 40 years and have had no complaints in all this time.

J’ai connu SWICA par le biais de mes parents, car je faisais tout pour eux en raison de leur âge. SWICA était déjà super il y a 20 ans, c’est pourquoi j’y suis assurée et en suis toujours très satisfaite.

Dear Swica Team, Dear Ms Wunderli
Particularly over the last three years you've been looking after me as my case manager. I'm very grateful for your humorous, kind and highly competent support, especially during the period when I was ill and lost my job as a result. During that time your hard work and dedication were very valuable to me, and gave me a lot of support and security.
The people at reception are also attentive and always treat me very respectfully.
On the basis of my own very good experience I can highly recommend Swica and its Winterthur team.

Yours sincerely

As a mum and midwife I find that SWICA offers great maternity-related benefits and services. Already during pregnancy SWICA provided support with acupuncture, which helped me a lot. And after the birth they were always there for us, which meant I could enjoy the time with my baby.

I had an extremely pleasant telephone call with Ms Lakki (Regional Head Office St. Gallen) this evening. She answered my questions expertly, objectively and calmly, and explained the advantages and disadvantages of various insurance models. I am now fully informed! What I found really positive was that it wasn’t a sales pitch. I look forward to further enlightening conversations with and great services from your health insurance company should the need arise.

I called SWICA about some contract changes, and it made them just as I had hoped. And invoicing, too, works without a hitch. What's more, I get refunds from my Completa Top plan quickly, without me having to chase after them. My personal situation will change at the end of the year, which means I'll have to rethink what's in my contract. Thanks a lot for taking good care of me!

I was looking for the perfect product: good insurance cover at a reasonable price. When I met an advisor, he explained everything to me. He was highly motivated, friendly, professional, patient – really great! This made a big positive impact on me. Good advice is a company's calling card. Well done, SWICA!

Everyone I speak to is always friendly and helpful. Innovative ideas (partnering with TKB), quick responses to all queries, understanding and even checking a medical bill that seemed high to me – that’s SWICA!

We were on holiday in Dubai. I began to feel ill during the very first night. I had heart problems, so we had to go to the hospital. sante24 was a great help to us during this time, because we didn’t understand everything in English. Thanks to sante24 I felt safe and cared for abroad.

If I could choose an "Employee of the Year 2021", I would nominate Serkan Koca. He thinks for himself, scrutinises the policies closely and has given me really good advice. He is knowledgeable and very friendly. Excellent customer service. Great!

In the autumn of 2013 I was diagnosed with breast cancer. It came as a massive shock to me. SWICA reassured me straight away and explained that it is a health insurance company that really covers the disease. Today I’m doing very well and I’m very grateful to SWICA.

santé24 is a really valuable healthcare organisation. It's so great to be able to count on your expert services if I fall ill, or if I need advice after being ill. Your health advice deserves particular praise. As a SWICA customer, I always feel well looked after with you. Thank you so much for taking the time to deal with my concerns. One satisfied customer!

Even though I'm retired now, I still look after people in need and come into conversation with them. You would hardly believe the stories I hear about health insurers. About incorrect information, or promises which then can't be kept. It is people seeking advice who often end up short-changed – people who don't have the confidence, or sometimes the ability, to stand up for themselves.
With SWICA I've always received really competent advice – whether it was just a brief phone message, or if a doctor was also consulted – no fuss, no quibbles. But what really touches me is that, whether I'm phoning or asking in person at an agency counter, with SWICA you are taken seriously as a INDIVIDUAL.

I wish that all INDIVIDUALS could enjoy the valuable services that SWICA provides.

SWICA’s staff are always friendly and available. Really great, friendly customer help line and service :)

...my first contact with SWICA was fantastic. Because I (56) wasn’t able to find out online whether my current GP was on SWICA’s doctors’ list, I called SWICA. The friendly lady I spoke to immediately offered to guide me through the internet pages until we found what I had been looking for... A really "human" service like this is wonderful! And that’s why I am switching to SWICA now after 35 years with EGK...

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.

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!!

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.

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.

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

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’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!

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.

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.

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.

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'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.

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 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.

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.

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.

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

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

I never had to change my health insurer. That's pretty amazing, especially when you consider that I was born in 1945...

What our customers say

<h2>What has your experience of SWICA been like?</h2><p>Whether it’s in relation to the products we offer, our customer service, a santé24 consultation or some other aspect of SWICA – tell us about your experience. We look forward to hearing from you.</p>

SWICA – No. 1 for customer satisfaction in multiple rankings

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

Multiple awards for customer satisfaction: Whether it’s Comparis, bonus.ch, AmPuls or moneyland.ch – overall, in a comparison of Swiss health insurers, SWICA came out on top for customer satisfaction. SWICA is very grateful for these positive ratings.

The most satisfied customer base in Switzerland – SWICA once again takes first place in a comparison of health insurers

First place: best in industry with Comparis

First place: bonus.ch customer satisfaction survey

First place: AmPuls customer satisfaction, product range and company image

First place: Accenture Health Insurance Excellence Award 2023

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What our customers say

What has your experience of SWICA been like?

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SWICA – No. 1 for customer satisfaction in multiple rankings

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