CSS or SWICA in Region 1 of canton St. Gallen?

In Region 1, SWICA is CHF 108.00 a year cheaper than CSS for an adult on the same profile. Here is the detail — and what a third insurer would do.

The verdict, in this region

SWICA comes down to CHF 482.90 a month, CSS to CHF 491.90. The gap is CHF 108.00 a year, 300-franc deductible, accident cover included.

Neither is the cheapest here: that is Sanitas, at CHF 479.65 a month. Moving there rather than to SWICA is worth CHF 39.00 more a year. Sanitas

CSS ranks 11 and SWICA ranks 4, out of 25 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 572.00	CHF 581.80	− 9.80
500	CHF 560.40	CHF 570.20	− 9.80
1'000	CHF 531.20	CHF 541.00	− 9.80
1'500	CHF 502.00	CHF 511.80	− 9.80
2'000	CHF 472.90	CHF 482.70	− 9.80
2'500	CHF 443.70	CHF 453.50	− 9.80

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

Against 2025, CSS moves by + 3.5 % and SWICA by + 2.6 % in this region.

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