Helsana or SWICA in Region 1 of canton St. Gallen?
In Region 1, SWICA is CHF 8.40 a year cheaper than Helsana 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, Helsana to CHF 483.60. The gap is CHF 8.40 a year, 300-franc deductible, accident cover included.
What the question hides
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
Where they stand in the region
Helsana ranks 5 and SWICA ranks 4, 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 | Helsana | SWICA | Gap |
|---|---|---|---|
| 300 | CHF 569.00 | CHF 581.80 | − 12.80 |
| 500 | CHF 557.40 | CHF 570.20 | − 12.80 |
| 1'000 | CHF 528.20 | CHF 541.00 | − 12.80 |
| 1'500 | CHF 499.00 | CHF 511.80 | − 12.80 |
| 2'000 | CHF 469.90 | CHF 482.70 | − 12.80 |
| 2'500 | CHF 440.70 | CHF 453.50 | − 12.80 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Helsana | SWICA |
|---|---|---|
| Other model | CHF 483.60 | CHF 528.00 |
| Family doctor | CHF 483.60 | CHF 482.90 |
| Free choice of doctor | CHF 569.00 | CHF 581.80 |
| HMO practice | — | CHF 484.40 |
How they moved in this region
Against 2025, Helsana moves by + 4.9 % and SWICA by + 2.6 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.