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Swica Health Insurance Guide for Expats 2025
Swica is consistently ranked #1 for customer satisfaction in Switzerland, making it a top choice for expats. Known for its excellent service, digital tools, and health promotion programs, this guide provides everything you need to choose the right Swica plan.
Why Choose Swica? An Overview for Expats
Swica stands out for its exceptional customer service and commitment to health. With the BENEVITA bonus program and comprehensive digital services, Swica provides more than just insurance—it offers a partnership in your health and wellbeing.
Highest Customer Satisfaction
Consistently awarded top marks for customer satisfaction among Swiss health insurers.
Digital Health Services
Access medical advice 24/7 via the sante24 health advice line and manage your policy through the mySwica portal.
Health Promotion
The BENEVITA bonus program rewards a healthy lifestyle with premium discounts on supplementary insurance.
Swica Basic Insurance Models
Swica offers a range of basic insurance models to fit different needs and budgets. While all cover the mandatory benefits, alternative models offer significant premium savings for agreeing to a specific first point of contact.
STANDARD (Libero)
Complete freedom to choose your own doctor, specialist, or hospital.
Best for:
Individuals who want maximum flexibility and direct access to specialists.
TELMED (Tel-First)
Call the sante24 telemedicine service for a consultation before any doctor's visit.
Best for:
People comfortable with remote consultations for initial medical advice.
FAVORIT CASA (Family Doctor)
Your chosen family doctor is your first point of contact for all health issues.
Best for:
Those who value a long-term, personal relationship with their GP.
FAVORIT MEDPHARM (HMO/Pharmacy)
Consult a doctor in a Swica partner HMO practice or a partner pharmacy first.
Best for:
Cost-conscious individuals who prefer coordinated care within a network.
Swica Supplementary Insurance Plans
Enhance your basic coverage with Swica's supplementary plans. These cover gaps in the mandatory insurance, offering benefits for dental care, alternative medicine, hospital comfort, and more.
COMPLETA TOP
Comprehensive outpatient cover for alternative medicine, prevention, and emergencies abroad.
- Extensive cover for alternative medicine
- Contributions to fitness memberships and preventive measures
- Full medical protection when travelling
HOSPITA
Choose your level of comfort for hospital stays, from semi-private to fully private rooms.
- Free choice of doctor and hospital in Switzerland
- Semi-private or private room options
- Flexible models for spontaneous upgrades
DENTA
Comprehensive dental insurance for check-ups, treatments, and orthodontics.
- Contributions to dental hygiene and check-ups
- Cover for fillings, root canals, and crowns
- Benefits for orthodontics for children and adults
PRAEVENTA
Focuses on health promotion and prevention, covering check-ups and vaccinations.
- Generous contributions to gym memberships
- Cover for health-related courses and activities
- Complements COMPLETA TOP for maximum prevention benefits
Frequently Asked Questions about Swica
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