Does Swica pay for your gym membership?
The complete guide to sports funding, contributions and limits 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.
Is Swica the best choice for athletes?
KILL THE GYM BILL
Do you only want to compare basic insurance or do you need a cancellation template? Go to primai.ch here
How to submit your receipt to Swica
Request receipt
Get the confirmation of your gym membership directly at the studio or download it from the member portal.
Upload
Upload the receipt in the Swica app or send it by email to customer service.
Payout
Payment is usually made within 10 days directly to your account.
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.
Confused by Swiss Health Insurance?
Our English-speaking consultations are provided in partnership with Expat-Savvy — FINMA-certified brokers specializing in health insurance for international residents in Switzerland.
Expat Specialists