SWICA's self-image
With around 1.5 million insured, SWICA is one of the leading health insurance companies in Switzerland, and it also has around 27,000 corporate customers under contract.
It sees itself as a health organization, not just as an insurer, and advertises with permanent financial security and optimal medical care in the event of illness, accident and maternity. It is also the only organization that offers an integral service chain for health issues.
Private customers can choose between three models:
- Standard model (basic insurance)
- several alternative insurance models
- individual choice franchise
Customer friendly, customer friendly, SWICA
Both conventional medicine and complementary medicine are supported by SWICA. Many Swiss people like to benefit from holistic and sustainable care during their illness.
The offer is supported by the Medbase Medical Center and the partner practices of SWICA, which offer access to the network of doctors and therapists. For smartphone-loving people, they also offer the BENECURA app, which can be used to call up further recommendations for action using a symptom checker.
The fitter the lower the premiums
SWICA also offers the option of collecting fitness points with a bonus point program, which can be used to reduce premiums. The BENEVITA platform is intended to track the activities and help to increase health literacy. If the insured regularly invest in health and fitness, the corresponding activities can be rewarded with up to CHF 800 a year from supplementary insurance.
Advantages through customer loyalty
As a rule, hospital insurance premiums increase every five years, which can result in a high financial burden in old age. For this problem, SWICA offers the so-called final age tariff, with the help of which SWIA allows the previous insurance period to be included in the calculation of the premium and rewards customer loyalty.
SWICA and PROVITA are also the only health insurers to deduct the cost sharing of basic insurance from that of SWICA supplementary care. As a result, the annual cost sharing is significantly lower than that of other health insurers. Loyal customers have advantages with which they can save a few Swiss francs.
SWICA and competition
in the Compromised health insurance comparison The following points of dissatisfaction were most frequently insured in 2019: Bills paid too late or not paid, annoying inquiries, too complicated paperwork, administrative problems. In 2018, Sanitas took first place just ahead of SWICA, but SWICA has now recaptured the top.
But despite this positive development, a rather descending turn can be observed. The average customer satisfaction at all health insurance companies lost. In the last comparison result it dropped from 5,02% to 4,89%. A total of 60% Swiss citizens are satisfied with their insurer.
Three quarters of SWICA customers are satisfied with the service. It is therefore worth taking a look at the test leaders, as the focus is not only on the price-performance ratio, but also factors such as the satisfaction and franchise of the health insurers.
Same benefits, different premiums
SWICA is one of the leading health insurance companies in Switzerland that impresses with its particularly harmonious price-performance ratio. Nevertheless, health insurance has to make a comparison with many other institutions that offer the same services.
But SWICA differs from these providers, for example, in the amount of its premiums. The health insurance companies also vary from one another through other services such as the service. Anyone looking for a provider with particularly favorable terms is usually well advised to sign a contract with SWICA.
Alternatively, it is also advisable to compare the offers of this health insurance company with those of other regional health insurance companies.
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