CSS or SWICA in Region 1 of canton Basel-Landschaft?

In Region 1, CSS is CHF 132.00 a year cheaper than SWICA for an adult on the same profile. Here is the detail — and what a third insurer would do.

The verdict, in this region

CSS comes down to CHF 559.10 a month, SWICA to CHF 570.10. The gap is CHF 132.00 a year, 300-franc deductible, accident cover included.

Neither is the cheapest here: that is Sanitas, at CHF 558.30 a month. Moving there rather than to CSS is worth CHF 9.60 more a year. Sanitas

CSS ranks 3 and SWICA ranks 6, out of 23 active insurers in this region.

With free choice of doctor, the one model every insurer offers — and therefore the only one where a row-by-row comparison compares the same thing.

Deductible	CSS	SWICA	Gap
300	CHF 664.00	CHF 674.60	− 10.60
500	CHF 652.40	CHF 663.00	− 10.60
1'000	CHF 623.20	CHF 633.80	− 10.60
1'500	CHF 594.00	CHF 604.60	− 10.60
2'000	CHF 564.90	CHF 575.50	− 10.60
2'500	CHF 535.70	CHF 546.30	− 10.60

Each insurer’s lowest rate in each model type, 300-franc deductible.

Against 2025, CSS moves by + 2.2 % and SWICA by + 3.5 % in this region.

Source: Federal Office of Public Health (FOPH), official premiums.