CSS or SWICA in Region 2 of canton Basel-Landschaft?

In Region 2, CSS is CHF 184.80 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 522.90 a month, SWICA to CHF 538.30. The gap is CHF 184.80 a year, 300-franc deductible, accident cover included.

Neither is the cheapest here: that is Agrisano, at CHF 494.80 a month. Moving there rather than to CSS is worth CHF 337.20 more a year. Agrisano

CSS ranks 3 and SWICA ranks 9, 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 621.00	CHF 625.90	− 4.90
500	CHF 609.40	CHF 614.30	− 4.90
1'000	CHF 580.20	CHF 585.10	− 4.90
1'500	CHF 551.00	CHF 555.90	− 4.90
2'000	CHF 521.90	CHF 526.80	− 4.90
2'500	CHF 492.70	CHF 497.60	− 4.90

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

Against 2025, CSS moves by + 2.9 % and SWICA by + 3.5 % in this region.

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