All about Swica health insurance

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All you need to know about Swica health insurance

Swica was created in 1992 through the merger of: OSKA, AMASCO, CSME and Panorama Gesundheitskasse. Swica offers insurance for individuals and professionals. It was in 2013 that Privota joined the Swica group.
Swica has made health insurance its core business. Today, it offers basic insurance as well as supplementary insurance in packages.
Swica now has 1.5 million policyholders, making it one of Switzerland's leading health insurers.

What are the different opinions on Swica?

Overall opinion on Swica health insurance:

Overall satisfaction ratings for Swica are positive. In particular, many customers cite the quality of customer service, the offers on offer and the clarity of information.
In 2022, Swica therefore achieves an overall rating of 5.1/6 based on a survey of 3,400 people by the Intervista institute.

Customer service: Swica service opinion

Swica scores 5.1/6 for ease of communication and information

What is the solvency ratio of the Swica health insurance company?

In 2021, Swica's reserves amounted to 751.70 million francs, with a solvency ratio set at 188%.

How is the solvency ratio calculated?

Swica's reserves (CHF million) Lawfully set min. reserves (CHF million) Solvency ratio
751.70 400.30 188%

What basic insurance models does Swica offer?

Favorit Casa / Family doctor model:

In the event of health concerns, your family doctor (designated when you take out basic insurance) will be your first point of contact. He or she will guide you as to which treatment to follow, and refer you to a specialist if necessary.

Favorit Medica model:

In the event of a health problem, you will be free to select a doctor from the MEDICA directory in your canton of residence. This will provide you with advice on the treatment to follow.

Favorit Medpharm model:

In the event of health concerns, you will be free to consult a Swica partner pharmacy or the Santé24 telemedicine center. If necessary, you'll be referred to a partner doctor in the MEDICA directory.

Favorit Sante model:

In the event of a health problem, you will be free to consult the Medbase health center or a Swica partner practice. If necessary, you're free to choose a specialist from the network of doctors and therapists.

Favorit Telmed model:

In the event of health concerns, you can consult the santé24 telemedicine service directly. Available 24/7, a specialist will guide you as to which treatment to follow. If necessary, you'll be referred to a specialist.

What are the different supplementary insurance products offered by Swica?

Swica offers various supplementary insurance products to cover gaps in basic insurance. These products are divided into 6 categories as below:

Hospita supplementary hospital insurance:

  • Hospita BestMed: Hospitalization in private ward with worldwide coverage
  • Hospita Privée: Free choice of doctor, hospital and stay in private ward
  • Hospita Flex Privée: Free choice of division (common, semi-private or private) with a contribution to costs per day of hospitalization
  • Hospita Demi-Privée: Free choice of doctor, hospital and stay in semi-private division
  • Hospita Flex Demi-Privée: Free choice of division (common, semi-private) with a contribution to costs per day of hospitalization
  • Hospita Division Commune: Common-division hospital stay in Swica partner hospitals

Completa supplementary insurance:

  • Completa Top: Closes the gaps in basic insurance by covering benefits such as glasses, dental costs or alternative medicine
  • Complete Praeventa: Offers Completa Top coverage with higher benefits

Supplemental insurance Supplementa:

  • Supplementa: Combined with Completa Top supplementary insurance, you'll benefit from optimum cover on your optical expenses.

Optima supplementary insurance:

  • Combined with Completa Top supplementary insurance, you'll benefit from optimal cover on your optical expenses as well as private cover for outpatient treatment abroad.

Denta supplementary dental insurance:

  • Denta supplementary insurance covers your dental costs for check-ups, hygiene and dental treatment.

Infortuna supplementary insurance:

  • The infortuna supplementary insurance offers you cover for healing costs as well as extended cover abroad.

How much does health insurance with Swica cost?

For basic health insurance, rates range from 336.60 to 444.70 francs for an adult, depending on the canton of residence, deductible and models chosen.
In the case of supplementary insurance for an adult, below are the different rates (monthly rates displayed in CHF):

Swica supplementary hospitalization insurance rates:

Supplementary insurance Monthly premium (CHF)
Hospita Division Commune 4.70
Hospita Half-Private 151.80
Hospita Flex Half-Private 67.90
Hospita Private 192.80
Hospita Flex Privée 72.70
Hospita Privée monde 193.00
Infortuna 12.20

Rates for various Swica supplementary insurances:

Supplementary insurance Monthly premium (CHF)
Completa Top 36.10
Completa Praeventa 12.80
Supplementa 9.90
Optima 40.40
Denta 21.50
Health legal protection 2.50
Accident capital insurance 7.50
Lump sum insurance in case of illness 21.10

How to take out Swica health insurance?

Various Swica agencies are at your disposal to benefit from expert advice. You can also visit www.swica.ch or call
Alexis Milon
Updated on: 01.02.2024Written by Alexis MilonHead of health insurance department at Comparea.
To learn more about our team click here.

Frequently Asked Questions

In the event of a claim, you can contact a Swica advisor by telephone, visit a branch near you or directly online at