CSS or SWICA in Region 3 of canton St. Gallen?
In Region 3, SWICA is CHF 180.00 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 431.30 a month, CSS to CHF 446.30. The gap is CHF 180.00 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 401.60 a month. Moving there rather than to SWICA is worth CHF 356.40 more a year. Agrisano
Where they stand in the region
CSS ranks 11 and SWICA ranks 2, out of 25 active insurers in this region.
Deductible by deductible
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 516.00 | CHF 508.90 | + 7.10 |
| 500 | CHF 504.40 | CHF 497.30 | + 7.10 |
| 1'000 | CHF 475.20 | CHF 468.10 | + 7.10 |
| 1'500 | CHF 446.00 | CHF 438.90 | + 7.10 |
| 2'000 | CHF 416.90 | CHF 409.80 | + 7.10 |
| 2'500 | CHF 387.70 | CHF 380.60 | + 7.10 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | CSS | SWICA |
|---|---|---|
| Family doctor | CHF 446.30 | CHF 442.80 |
| Other model | CHF 461.80 | CHF 461.90 |
| Free choice of doctor | CHF 516.00 | CHF 508.90 |
| HMO practice | — | CHF 431.30 |
How they moved in this region
Against 2025, CSS moves by + 4.6 % and SWICA by + 4.2 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.