Depending on canton, you can save up to 22% on premiums by choosing an alternative basic insurance model. You can cut your premiums even further by increasing your excess. SWICA also offers family discounts for children and young people.
SWICA offers comprehensive alternative insurance plans. You can save up to 22% over the conventional basic insurance depending on the canton, the region and the franchise selected.
SWICA rewards a sense of personal responsibility with premium discounts: the higher the franchise, the more attractive the premium.
The franchise may be adjusted annually (SWICA must be notified of any increase by 31 December and of any reduction by 30 November).
The deductible at present is 10% (or 20% with certain medicines) and is calculated for all benefits that exceed the sum of the annual franchise. The maximum deductible per calendar year is CHF 700 for adults and CHF 350 for people under 19 years of age.
SWICA offers family discounts for children and young people.
Children: A premium discount of 76% is available for the first two children and 90% for all further children, based on the adult premium for basic insurance.
Young people aged between 19 and 25 receive a 12% premium discount.
According to the Federal Law on Accident Insurance (UVG) everyone who works at least 8 hours a week for the same employer is automatically insured by this employer against occupational and non-occupational accidents. You can exclude accident cover in the compulsory health insurance (according to the UVG) and save 7% on your basic insurance premium. For all other persons, the inclusion of accident cover in your health insurance is compulsory.
Are you doing prolonged military service? Then you are entitled to a premium reduction.
Anyone who does more than two months (at least 60 consecutive days) of military service (recruit school, service) may request a reduction of their premium in the basic insurance. The confirmation can be submitted to SWICA before or after the military service. The premium for the basic insurance is completely suspended for this period or reimbursed after later submission.
The cantons grant premium reduction to people in modest financial circumstances. This support varies from canton to canton.
SWICA recommends that low-income families and individuals contact the department responsible in the canton where they live to establish whether they are entitled to a premium reduction.
We look forward to providing you with comprehensive advice.
Give us a call toll-free at 0800 80 90 80 or send us the following online form.
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