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Discounted hospitalisation insurance with SWICA health insurance

Generous discounts and top hospital insurance benefits

Reduce your premium by increasing your co-payment, or enjoy additional discounts by opting for a HOSPITA-FLEX or HOSPITA hospital list model.

Compare and optimise premiums

Optimization of hospital insurance


Increase your excess – and save up to 50% on your premiums

Choose HOSPITA FLEX or HOSPITA hospital list – and save up to 68% on your premiums

Use actively the BENEVITA health coach app – and save up to 15% on your premiums

Combining the SANTE basic insurance model with hospitalisation insurance delivers a 15% premium discount

Annual premium payment

Transparent and favourable co-payments

SWICA is the only health insurer that applies co-payments from basic insurance to those of its supplementary insurance, which means the annual co-payments will be much lower when compared to other health insurers.

Example of rate increases for hospita­lisation insurance

The premiums that most health insurers charge for supplementary insurance increase noticeably every five years. This often results in a heavy financial burden in old age. By basing its rates on your age when you buy the supplementary insurance, SWICA factors the time you have been insured into the premium calculation, rewarding you for your loyalty.

Personal consultation

Would you like more information on SWICA or a personal consultation? Client Services would be happy to assist. Call us on +41 58 800 99 33 or send us a message using the contact form below.

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What our customers have to say.

Urs Dübendorfer
«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.»
Marion Heinemann
«I’m very happy to be insured with SWICA. You only notice how good your health insurer really is when you run into a health problem. SWICA is always there for you, its advisers are very friendly, and questions about your cover are always handled quickly.
Thanks a lot for all you've done.»
Esther Tabirri
«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!»
Daniel Gfeller
«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.»

SWICA – No. 1 for customer satisfaction in multiple rankings