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CSS or SWICA in Region 2 of canton Valais?

In Region 2, CSS is CHF 14.40 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 447.20 a month, SWICA to CHF 448.40. The gap is CHF 14.40 a year, 300-franc deductible, accident cover included.

What the question hides

Neither is the cheapest here: that is Agrisano, at CHF 406.30 a month. Moving there rather than to CSS is worth CHF 490.80 more a year. Agrisano

Where they stand in the region

CSS ranks 11 and SWICA ranks 13, out of 28 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 520.00CHF 515.30+ 4.70
500CHF 508.40CHF 503.70+ 4.70
1'000CHF 479.20CHF 474.50+ 4.70
1'500CHF 450.00CHF 445.30+ 4.70
2'000CHF 420.90CHF 416.20+ 4.70
2'500CHF 391.70CHF 387.00+ 4.70

Model by model

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

ModelCSSSWICA
Family doctorCHF 447.20CHF 448.40
Other modelCHF 468.00CHF 474.10
Free choice of doctorCHF 520.00CHF 515.30

How they moved in this region

Against 2025, CSS moves by + 3.4 % and SWICA by + 1.5 % 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.