CSS or SWICA in Region 2 of canton St. Gallen?

In Region 2, CSS is CHF 68.40 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 444.40 a month, SWICA to CHF 450.10. The gap is CHF 68.40 a year, 300-franc deductible, accident cover included.

Neither is the cheapest here: that is Agrisano, at CHF 419.60 a month. Moving there rather than to CSS is worth CHF 297.60 more a year. Agrisano

CSS ranks 3 and SWICA ranks 5, 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 529.00	CHF 532.60	− 3.60
500	CHF 517.40	CHF 521.00	− 3.60
1'000	CHF 488.20	CHF 491.80	− 3.60
1'500	CHF 459.00	CHF 462.60	− 3.60
2'000	CHF 429.90	CHF 433.50	− 3.60
2'500	CHF 400.70	CHF 404.30	− 3.60

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

Against 2025, CSS moves by + 1.3 % and SWICA by + 2.0 % in this region.

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