Do I need Qualitop certification for Swica?

Yes, most supplementary insurances from Swica require that your gym is Qualitop or Qualicert certified. With the KillBill check, you can find out which studios in your area are recognized.

Does Swica also pay for Crossfit / Yoga?

That depends on the package. Many supplementary insurances also cover alternative sports such as Crossfit, Yoga or Pilates, as long as the studio is certified. Check the details in the product table above.

When does Swica transfer the money?

Payment is usually made within 10 working days after submission of the receipt. If you have questions, you can contact Swica customer service directly.

Is it worth switching from Swica to SWICA?

That depends on your situation. SWICA offers the highest contributions for fitness with up to CHF 1,300. Use primai.ch to compare premiums and find the best insurance for you.

Does Swica pay for fitness? | All contributions & rates 2026

How much does Swica pay for the gym? (The table)

Insurance Package	Coverage	Max. Contribution	Status
COMPLETA TOP	75%	CHF 600.-	Good standard
COMPLETA PRAEVENTA	50%	CHF 500.-	Good standard
OPTIMA	90%	CHF 800.-	Very good

SWICA: Best overall coverage in Switzerland!

Individual products

COMPLETA FORTE: CHF 500.– (90% Coverage)
COMPLETA PRAEVENTA: CHF 500.– (50% Coverage)
OPTIMA: CHF 300.– (90% Coverage)

Maximum combination (all 3 products)

COMPLETA FORTE (500) + COMPLETA PRAEVENTA (500) + OPTIMA (300) = Total CHF 1300

The three products are combinable and complement each other. COMPLETA FORTE covers 90% first, COMPLETA PRAEVENTA covers 50% of remaining costs, and OPTIMA covers another 90% of remaining costs.

Source: Health promotion contributions 2025 (PDF)

SWICA & fitness: the most generous contribution in Switzerland

SWICA is the 2026 leader for fitness contributions. The often-quoted maximum of CHF 1,300 per year is real — but only by combining several supplementary products (COMPLETA FORTE, COMPLETA PRAEVENTA and OPTIMA). With a single product the maximum is around CHF 500.

Example: if your annual membership costs CHF 800 and you have COMPLETA FORTE (90% up to CHF 500), you get CHF 450 back. With the full product combination the maximum rises to CHF 1,300.

Condition: your gym must be Qualitop / Fitness-Guide certified, and the membership must fall within your insured period. Submit the annual receipt via the SWICA app. As of 2026.

Is Swica the best choice for athletes?

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ANALYSIS

ACTIVATION

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Where do you train?

I don't have a gym (yet)

Your Health Insurance

Do you have supplementary insurance?

YES

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Do you only want to compare basic insurance or do you need a cancellation template? Go to primai.ch here

Important: Qualitop & QualiCert Certification

What is it?

Qualitop and QualiCert are the quality standards for fitness centers in Switzerland. Most health insurers (such as Helsana, Swica, CSS) require that your gym has one of these quality seals so they can contribute to the costs.

What do I need to watch out for?

Before you take out a membership, ask your fitness studio if it is "Qualitop-certified". Without this certification, many insurers won't pay a cent, even if you have the right supplementary insurance.

All gyms on our homepage are Qualitop or QualiCert certified. Find gym now →

Tip: Large chains like Activ Fitness, PureGym or Kieser Training are usually always certified. For smaller studios, it's worth asking.

All health insurers compared

Insurance	Max. Contribution	Rating
Swica	CHF 1300.-	4.8	Details
Helsana	CHF 1000.-	4.5	Details
CSS	CHF 800.-	4.2	Details
Visana	CHF 800.-	4	Details
Sanitas	CHF 800.-	4	Details
Groupe Mutuel	CHF 800.-	3.8	Details
Concordia	CHF 600.-	3.8	Details
Atupri	CHF 400.-	3.5	Details
ÖKK	CHF 400.-	3.5	Details
Rhenusana	CHF 400.-	3.9	Details
EGK	CHF 360.-	3.8	Details
Sympany	CHF 300.-	3.5	Details
AXA	CHF 300.-	3.7	Details
KPT	CHF 300.-	3.8	Details
SLKK	CHF 300.-	3.6	Details
Glarner	CHF 300.-	3.5	Details
Innova	CHF 250.-	3.5	Details
Sodalis	CHF 200.-	3.4	Details
Sumiswalder	CHF 200.-	3.4	Details

Does Swica pay for your gym membership?

How much does Swica pay for the gym? (The table)

SWICA: Best overall coverage in Switzerland!

SWICA & fitness: the most generous contribution in Switzerland

Is Swica the best choice for athletes?

KILL THE GYM BILL

How to submit your receipt to Swica

Request receipt

Upload

Payout

Important: Qualitop & QualiCert Certification

What is it?

What do I need to watch out for?

All health insurers compared

Frequently asked questions