I would especially like to thank Hugo Garcia for his speed and professionalism in dealing with my supplementary insurance request. He is very easy to talk to and really listened to my needs.  I'm very happy to have been in contact with him. I wish him every success in his work.

When my cold got worse I carried out and transmitted various exams with TytoHome. Shortly afterwards I got to have an initial phone call with a professional, and only an hour or so later had a phone consultation with a doctor – all without having to consult a medical practice. Great!

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.

After various frustrating experiences with other health insurers the personal professional advice provided by the SWICA representative persuaded me, even though SWICA is somewhat more expensive than other insurers. I’m a really happy customer: great service, professional advice, clear invoicing... SWICA is going to have to do something special to get rid of me

If I could choose an "Employee of the Year 2021", I would nominate Serkan Koca. He thinks for himself, scrutinises the policies closely and has given me really good advice. He is knowledgeable and very friendly. Excellent customer service. Great!

I received very competent and friendly advice from a qualified nurse, and a very short time later got a call back from the specialist. I felt I got very good advice.

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!

This partnership helps our organisation move forward. As an SME, we work very closely with SWICA. We have illness rates that are higher than we would like and are trying to develop our occupational health management so that we can get the situation under control. My direct SWICA contact is available to provide advice practically around the clock.

I've been a satisfied SWICA customer for many years now. I've been using TytoHome as a test customer since 2020. It's very useful and has also been very beneficial during the holidays. I'm convinced of the value of this product. I also appreciate SWICA's contribution towards my cross-country ski pass.

I have been a very satisfied SWICA customer since my childhood. At present I’m studying at the Belvoirpark hotel management school. Through my job as a catering professional I know that quality and good customer service are absolutely essential for every company. SWICA has been delivering this service for 25 years.

I’ve been with SWICA for 25 or 30 years and they’ve always taken great care of me. It has never occurred to me to switch to a different insurer. Once SWICA, always SWICA.

We are satisfied with SWICA’s services in every respect and have found their Client Services always to be friendly and helpful. The coach who's there when someone has an operation, for example, ensures that things stay calm, and we can get help quickly and easily if needed.

As the mother of a 3-year-old I’ve already contacted sante24 several times about ‘childhood illnesses’. I don’t like running to the doctor about every little thing. The initial telephone assessment and expert advice have generally been so good that I haven’t needed to bother our paediatrician.

I’ve been insured with SWICA since childhood and have always received excellent advice. Care Management helps me with my back problem and my communications with the disability insurance authorities (IV). This really takes the pressure off me. I’m very happy and would recommend SWICA to anyone.

I was very well received in Neuchâtel. All the staff are very attentive and smil-ing, which is really lovely! My appointment with Mr. Joao Ribeiro was very useful. His explanations were very clear and he gave me excellent advice. I’m very satisfied with my visit and I’m even more delighted to be a member of SWICA. Thank you for everything and I look forward to seeing you soon!

Following an illness, SWICA provided me with someone to support and assist me the whole time – my care manager. I believe that this person is extremely important from a psychological and practical point of view. My care manager (Romano Cirasuolo) was there for me throughout my rehabilitation, helping me to organise all my medical and personal affairs. Care managers facilitate and coordinate patient care by setting goals so that patients can continue on their path to recovery with total peace of mind. I got on really well! The service provided by SWICA is FREE. My care manager enabled me to face my illness without ever feeling alone.

SWICA is a reliable partner to our company. SWICA is right for us as a company thanks to its professionalism and highly developed personnel management system. They are great people to work with and extremely professional when it comes to training. It’s a wonderful feeling to work with such a great partner.

I believe that the year I became a SWICA customer, namely 1964, says everything about my satisfaction with SWICA. If I wasn't satisfied, I'd have switched to another insurance company long ago. 

Tip top! I am very happy with SWICA. The advisors are knowledgeable and friendly, and my queries are always dealt with quickly and reliably. I feel well looked after and I appreciate the professional service. Would absolutely recommend.

I'm so grateful to be insured with such a good health insurer. You fully deserve your top ranking among the health insurance companies. Many thanks also for the support, which is always friendly, whether it's in Amriswil, Winterthur or santé24.💚

Last year I started running, changed my diet and began taking better care of myself. So I was looking for an insurer which would support me in my new health-conscious lifestyle. As soon as I came across the Benevita bonus programme, my decision was made.

...my first contact with SWICA was fantastic. Because I (56) wasn’t able to find out online whether my current GP was on SWICA’s doctors’ list, I called SWICA. The friendly lady I spoke to immediately offered to guide me through the internet pages until we found what I had been looking for... A really "human" service like this is wonderful! And that’s why I am switching to SWICA now after 35 years with EGK...

I’ve been a Swica customer for 22 years. I’ve always been satisfied with what they offer. Whenever I need Swica, I get very good assistance – both financial and telephone support.

For me, SWICA is the best health insurer in the world

SWICA has been with us on our journey to introduce optimum occupational health management at Phoenix Mecano Komponenten AG right from the start. With its outstanding expertise, SWICA operates as our reliable partner wherever necessary. Thank you for the excellent working relationship.

As a family, we’ve been insured with SWICA for years now and we're 100% satisfied! SWICA covers a large part of the cost of swimming lessons for our children. Our middle child goes to dances classes, and I was amazed to find that SWICA is the only health insurer which helps out with the cost. Fantastic!!!

But that's not all... SWICA was also there for us during an extremely difficult period. Our son became very ill when he was just 16 months old. My husband and I were given a parents’ room at the children’s hospital, even though I was no longer breastfeeding. The situation was looked into and a decision was taken to cover these costs. Really thoughtful and family-friendly. Ever since then we wouldn’t consider any other health insurer! You are the best! Our son has made a full recovery 😉.

I never claimed benefits from my health insurer in the 37 years that I had my policy. But when I became seriously ill, I found SWICA to be fully reliable. Its staff was always professional and friendly, and I could always count on the benefits they promised.

I’ve been insured with SWICA since 1 February 1988. SWICA is the BEST health insurer for me!! With SWICA's help, I have had the good fortune to survive something bad. Everything is always very pleasant with the team in Zug too.

J’ai connu SWICA par le biais de mes parents, car je faisais tout pour eux en raison de leur âge. SWICA était déjà super il y a 20 ans, c’est pourquoi j’y suis assurée et en suis toujours très satisfaite.

The website is clear, straightforward and informative. I particularly like the Benevita app, which addresses interesting topics on a daily basis and really inspires me. All in all, I am a SWICA fan and try to persuade as many people as possible that, if they want to have the best possible partner for comprehensive health care at their side, they should do as I do and choose SWICA!

Everyone I speak to is always friendly and helpful. Innovative ideas (partnering with TKB), quick responses to all queries, understanding and even checking a medical bill that seemed high to me – that’s SWICA!

I've been with SWICA since I was 16. It used to be called ZOKU. Today I'm 77 years old. I'm still a customer, which means I'm very satisfied with SWICA.👍 

Care Management has really changed my life. Ms Wunderli has made so much possible for me with the disability insurance and is helping me with all the issues in my life. She has always actively supported and encouraged me. Thanks to this, I now have a second chance and can finally get back on my feet and plan ahead. Last year, I never thought I could achieve all these things in 2019, even with the help and encouragement of Ms Wunderli. I’m deeply thankful for all the help and recommend this service to everyone. I think SWICA's Care Management is excellent.


I had an unpleasant experience abroad when my insulin pump suddenly packed in. The foreign bureaucracy meant that it was far from easy to get hold of two different kinds of insulin and pens. So I eventually ended up in the emergency ward of a large hospital, where I quickly realised just how spoiled we Swiss are. The silver lining appeared after I came back home and sent the bills to SWICA. There were simply no questions or quibbles. The costs were reimbursed to my account after just ten days!

I can't thank SWICA enough for what they did. If you suffer from a chronic illness, you can count yourself lucky to have an efficient and understanding health insurer. Thank you very much.

SWICA pays 800 francs towards my gym membership. And it offers the Benevita bonus programme which helps people who enjoy exercise and have a health-conscious lifestyle to keep their premiums down. I would recommend SWICA to anyone who is interested in exercise and health.

I've been insured with SWICA practically since I was born. SWICA is there for you around the clock and is an absolutely reliable and competent advisor in all health matters.

In the autumn of 2013 I was diagnosed with breast cancer. It came as a massive shock to me. SWICA reassured me straight away and explained that it is a health insurance company that really covers the disease. Today I’m doing very well and I’m very grateful to SWICA.

I was looking for the perfect product: good insurance cover at a reasonable price. When I met an advisor, he explained everything to me. He was highly motivated, friendly, professional, patient – really great! This made a big positive impact on me. Good advice is a company's calling card. Well done, SWICA!

My wife and I have been insured with SWICA for many years and are very happy with its service and the efficient way it handles our invoices. We also think that its premiums easily match those of other health insurers.

In the past few weeks I had to have surgery twice. Settling the claims has gone smoothly. Today I even got a phone call from someone at SWICA asking how I'm doing, and whether I'm satisfied with how everything went. To me this is a health insurance company really going above and beyond! I'm a big fan. Thank you for this excellent service.

SWICA's Prevention Management team is a reliable partner. In the field of ergonomics, for example, we used a train-the-trainer approach to train employees who now answer questions internally regarding workplace modifications. The OHM team also offers timely solutions, including a webinar series about the immune system.

SWICA supports me in my efforts to live a healthy lifestyle. When I was trying out Bodypump with a friend, she told me that SWICA made generous contributions to her fitness club membership. So I also switched to SWICA, and am very happy I did. SWICA also provides support in the form of the Benevita bonus programme.

We have worked closely together with SWICA for many years now. As a production company with a lot of physically demanding work, the health of our employees is our top priority. SWICA provides us with professional advice and assistance in all matters relating to occupational health management.

SWICA is the best health insurer in Switzerland by far. I tried CSS, Arcosana, Concordia and others, but then I switched back to SWICA. Thanks to SWICA, instead of having more than 12 days of migraines a month, with the injection I now only have one day and my quality of life is so much better! SWICA is very straightforward, fast and has fantastic customer service!

We've all had calls from health insurers offering us lower premiums and asking us to switch to them. However, in the case of my family and me, the excellent service and care we get from the SWICA office in Olten have kept us there as loyal customers for years. Most of my dealings with SWICA have been with Renate Peter, who helps me with whatever I need and gives great advice. Policyholders often face complicated issues, but I could always count on SWICA's help and appreciate their friendly style – something not to be taken for granted these days. So, I’m happy to share my experience with SWICA with others. Keep it up! By the way, having had the same contact person for years tells me that the Olten branch must be a good place to work.

I can wholeheartedly recommend SWICA when it comes to every aspect of health. SWICA genuinely always aims to support its customers with advice and assistance, with a wealth of knowledge, experience and understanding.
That's why, after many years as a SWICA customer, I would like to highly commend them.

I suffered a stroke. Not long after, it was suggested to me that I have a kind of case manager to support my recovery, help me with any difficulties and with paperwork, and propose various forms of assistance.
The person assigned to me was a great help, not only during the episode itself but also for a long time afterwards.
I was pleased to be able to take advantage of this invaluable free service, which supported and assisted me hugely through my physical and emotional difficulties.

I'm 76 years old, I've been with SWICA for donkey's years, and I've NEVER had any problems with billing. My telephone enquiries have also always been handled to my complete satisfaction. I'm a SWICA customer for life! :-)

The people at SWICA are always very friendly and helpful when I contact them and provide me quickly with the information I need. I know that there are other insurers with lower rates, but I've always appreciated SWICA's service. The fact that I've been with them for years clearly says a lot.

We are always satisfied with the services, processes and professional advice we receive from SWICA.

I’m a happy customer because SWICA makes generous contributions towards my gym and tennis club memberships. Also, when I submit doctors’ bills they are processed rapidly, and the money I’m owed is transferred to me quickly.

Excellent support at every level, whether in person or via the Benecura app. Thank you!

SWICA is the best health insurance provider in Switzerland. I'm covered only within my canton, and after some very difficult operations I wanted to go for rehabilitation outside my canton. Swica approved this for me without hesitation. Thanks to Swica I can now reasonably walk again as the rehabilitation is extraordinarily good. Thank you, Swica.

I’ve been with SWICA since 1955; before that I was with ZOKU. I’ve never regretted making the change. SWICA’s benefits are comprehensive and effective. So, if you get sick, this gives you a good feeling, which helps you get back on your feet more quickly.

The Benevita Health Programme is really great because it motivates me to get more exercise in my daily life. And you can use the various challenges to compete with your friends.

We have come to know SWICA as a strong partner over many years. We collaborate on issues that go far beyond the scope of classic daily sickness benefits insurance. We benefit, for example, from SWICA's experience in case management and prevention campaigns.

Thanks to SWICA and My Coach I’ve been able to change my eating habits and get closer to my ideal weight. Nowadays I feel much better and my quality of life has improved.

I do a CrossFit workout three or four times a week, enjoy swimming and love relaxing at spas. With my active lifestyle, SWICA is the ideal choice for me because it has something to offer in all these areas. I also like the straightforward digital information exchange.

When I contacted SWICA about supplementary insurance, your customer advisor, Kristina Vesic, dealt with my request in a friendly and professional manner and at the same time optimised my existing insurance cover to better fit my needs. Such proficient advice and assistance is exemplary and reflects the quality of SWICA as a reliable health insurance partner.

Many thanks for the friendly and extremely helpful advice from santé24! I will use this service more often in future, and recommend it to others. Thank you!

We would very much like to thank Valentina Camera at the agency in Thun for her professional advice and helpful explanations.

I'm thrilled with SWICA's easy invoice processing and with santé24, which is available 24 hours a day to answer questions and is always patient and very friendly! Thank you for allowing me be one of your customers. I'm very grateful!

Every Swica experience has been completely satisfying for me. In the many years I've been with Swica, I've always been very satisfied! Capable, motivated, reliable, friendly and fast. What more could you ask? Quite simply the number one.

TytoHome is very easy and straightforward to use. Nothing can go wrong if you read the instructions. TytoHome gives me more flexibility and lets me do things when I want to. I strongly recommend using TytoHome.

SWICA has been able to provide professional assistance to me and my family, regardless of the subject area. The adviser is so friendly that he’s almost become part of the family. SWICA offers a check-up which my husband decided to take advantage of. Although he doesn’t like doctors, he was really delighted with it.

I've had insurance from SWICA for many years and have always been very satisfied! Their customer service is very good, and their advisers are very friendly (you won't get brushed off)! They are there to answer questions any time, and claims are always handled quickly!
First-rate health insurer

The CHF 500 prevention contribution towards my gym membership is sensational and unbeatable.

Our whole family is insured with SWICA. I would recommend SWICA to anyone who asks me to suggest a health insurer. My customer advisor is so friendly and good-natured that any problems I have immediately seem smaller. I never hesitate to call her.

I am very happy with my personal contact person, Melike Öztekin. Ms Öztekin's clear communication and friendly manner makes the whole process easy to understand and this results in hassle-free care. Well done!

I find the service, which is provided without a hitch, really great.
They answer my questions and call me back on the same day.
Thank you very much, SWICA. I am a loyal customer.

I can't thank SWICA enough for what they did. If you suffer from a chronic illness, you can count yourself lucky to have an efficient and understanding health insurer. Thank you very much.

I’ve been insured with SWICA for over forty years, and my two adult sons have been for their whole lives. I even registered my younger son, who was born in 1992, while I was still pregnant. SWICA may be a bit more expensive, as you often hear, but it’s not just the benefits that are perfect. So is the advice you get from the General Agency and over the phone. I’ve never had any problems in Switzerland or on trips abroad thanks to SWICA’s fast and straightforward processing. Given a choice I will always opt for SWICA as the health insurer for my family.

Very friendly customer service.
They reimburse claims very promptly with a minimum of fuss.
I’ve been a customer of Swica for 39 years already and will remain so for many years to come.
Many thanks Swica!

Until a few years ago I didn’t do any exercise and was putting on weight. But that’s all in the past now. SWICA’s supplementary benefits encouraged me to become more active. Without SWICA I would be living an unhealthy life and be unhappy with my body. Thank you!

A fantastic advisor (Mr Cudré-Mauroux) helped me with everything. Thanks to the changeover I have been able to save on lot of things with Swica products (for example Fitnesse and complementary medicines). Being able to contact a doctor online with the device from wherever you are is really great for minor emergencies. (You can even use it on holiday by the sea). I highly recommend this very modern insurance that is top value for money. Thank you very much.

Ms Rieder was very professional and helpful and advised me well after my skiing accident to make sure I got the best care while I was in hospital after the surgery. She also helped me to cope with a tense and overwhelming situation after I was admitted to hospital. This gave me confidence as I faced the surgery. Thank you very much!
Also on the phone, Ms Rieder was always friendly, patient and willing to share information – a really customer-oriented person. I wish everyone in the service sector was as genuinely helpful as she is.

We were on holiday in Dubai. I began to feel ill during the very first night. I had heart problems, so we had to go to the hospital. sante24 was a great help to us during this time, because we didn’t understand everything in English. Thanks to sante24 I felt safe and cared for abroad.

With Swica’s services and expert advice by phone or in person, I’m well looked after in every area of my life.  From OSKA to Swica I’m always very satisfied: no reason to change insurers.

I joined Benevita in 2016 and it has changed my life completely. I put much effort into a healthy life, including exercise, food, sleeping and so on. Since then, I feel I am much healthier and happier both physically and mentally. Recently, I got my 300 healthies surprise, which make me more motivated to keep strong. Thank you SWICA for helping us in our healthy life.

I have been very satisfied with SWICA for over 40 years, particularly in the period before and after the birth of my son, who was born with a severe disability. Even though the IV takes care of most of the costs, SWICA was always there for me when I had questions or concerns. It really is a good feeling to be covered by this health insurer!

The decision to remain with SWICA is based on decades of positive experience. I’m absolutely delighted with Benevita. I regularly take part in step competitions and I’m delighted if I come in the top eight. This membership has brought a positive dynamism into my life.

I had an extremely pleasant telephone call with Ms Lakki (Regional Head Office St. Gallen) this evening. She answered my questions expertly, objectively and calmly, and explained the advantages and disadvantages of various insurance models. I am now fully informed! What I found really positive was that it wasn’t a sales pitch. I look forward to further enlightening conversations with and great services from your health insurance company should the need arise.

As a mum and midwife I find that SWICA offers great maternity-related benefits and services. Already during pregnancy SWICA provided support with acupuncture, which helped me a lot. And after the birth they were always there for us, which meant I could enjoy the time with my baby.

During my stay at the rehabilitation clinic following an accident, it was suggested to me that I work with a SWICA care manager, who would be responsible for helping me to find the support I needed to cope as best I could with my return home. I weighed up the suggestion together with my family and we decided to accept. We were incredibly glad we did. We met someone who was really friendly, very well prepared and equally helpful, who found the right solutions and the right forms of support for me. These allowed me to regain my “independence” one year down the line.
It was a very positive experience that I would have no hesitation in recommending. 
I would like to thank my care manager and SWICA.

I had a great consultation today with Michel Luu regarding the optimisation of my policy and my premium. It was professional, friendly and clear. Thank you!

The tips I received from the Benevita team made me aware of exactly what I had to change in my eating and exercise routines. It's true that I was taking a lot of exercise and eating appropriate foods, but the exercise I was doing turned out to be inefficient and I wasn’t eating enough protein. Now I’ve lost four kilos – my body is more toned and I’m pleased with how I look.

I came to Switzerland from Germany in 2017 to join my boyfriend. I signed up with SWICA thanks to positive recommendations. I had the feeling right from the start that SWICA was the right insurer for me. I was offered exactly what I wanted and at a fair price!

I'd like to express my sincere thanks. I'm very happy with Swica's services, their caring, friendly and expert handling of my case, and the way they support their customers. I'd particularly like to thank Mr Salomon, who worked on my case in a capable, friendly and warm manner. He kept me well informed and always followed up with me promptly to provide updates without my having to ask (something I had never experienced before). I can recommend Swica Aadorf with absolutely no reservations.

For our family, only the best is good enough. Thanks to SWICA, we were able to enjoy the first hours and days together in a family room after our daughter was born. It’s wonderful and reassuring to know that, if anything happens, we as a young family are in good hands with SWICA.

I've been with SWICA for 50 years. I really recommend this insurance company because of how understanding it is, the fast payments and everything it does to help remedy the different illnesses we might come across in life.

Taking part in the TytoHome pilot saved us several visits to the doctor, and the feedback fed back directly into improving the service. We’re now keen users of telemedicine.

After bad experience with another health insurer, we switched to SWICA and right away felt that we were in good hands. Thank you

I’ve been with Swica for 13 years and am very satisfied. Whenever I get cold calls about health insurance I tell them No thanks, I’m already with the best!!

I've been more than satisfied for many years. Last year the Benevita health platform helped me a lot. I took myself in hand and lost 20 kilos, and I’ve been able to keep the weight off ever since. Now all I have to do is stay as healthy as I am now and live till I’m at least a hundred.

SWICA’s staff are always friendly and available. Really great, friendly customer help line and service :)

SWICA gave me all-round support when I had an accident abroad. It was a great relief

I've been with SWICA now for two years. My experience with this health insurer can hardly be put into words. Very friendly and professional advice from my consultant plus straightforward invoice processing. Wonderful health insurer! I'll be happy to recommend it to other people.

Even though I'm retired now, I still look after people in need and come into conversation with them. You would hardly believe the stories I hear about health insurers. About incorrect information, or promises which then can't be kept. It is people seeking advice who often end up short-changed – people who don't have the confidence, or sometimes the ability, to stand up for themselves.
With SWICA I've always received really competent advice – whether it was just a brief phone message, or if a doctor was also consulted – no fuss, no quibbles. But what really touches me is that, whether I'm phoning or asking in person at an agency counter, with SWICA you are taken seriously as a INDIVIDUAL.

I wish that all INDIVIDUALS could enjoy the valuable services that SWICA provides.

SWICA – No. 1 for customer satisfaction in multiple rankings

santé24 online practice

24h customer service

SWICA IQ

Because health is everything

Under Favorit Telmed basic insurance you contact the doctors and medical experts at santé24 for an initial diagnosis. They are available to you round the clock.



Basic insurance with the telemedicine service as your first point of contact

Product highlights

SWICA – No. 1 for customer satisfaction in multiple rankings

Because health is everything