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Sophie

CSS or SWICA in Region 1 of canton Valais?

In Region 1, SWICA is CHF 70.80 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 493.80 a month, CSS to CHF 499.70. The gap is CHF 70.80 a year, 300-franc deductible, accident cover included.

What the question hides

Neither is the cheapest here: that is Atupri, at CHF 481.20 a month. Moving there rather than to SWICA is worth CHF 151.20 more a year. Atupri

Where they stand in the region

CSS ranks 10 and SWICA ranks 4, out of 26 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.

DeductibleCSSSWICAGap
300CHF 581.00CHF 594.90− 13.90
500CHF 569.40CHF 583.30− 13.90
1'000CHF 540.20CHF 554.10− 13.90
1'500CHF 511.00CHF 524.90− 13.90
2'000CHF 481.90CHF 495.80− 13.90
2'500CHF 452.70CHF 466.60− 13.90

Model by model

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

ModelCSSSWICA
Family doctorCHF 499.70CHF 493.80
Other modelCHF 520.00CHF 547.40
Free choice of doctorCHF 581.00CHF 594.90

How they moved in this region

Against 2025, CSS moves by + 4.8 % and SWICA by + 0.9 % in this region.

CSS, SWICA, or another?

The comparator works out your actual premium across all 34 insurers at once, from your age, deductible and municipality.

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