Helsana or SWICA in Region 2 of canton St. Gallen?
In Region 2, SWICA is CHF 102.00 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 450.10 a month, Helsana to CHF 458.60. The gap is CHF 102.00 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 419.60 a month. Moving there rather than to SWICA is worth CHF 366.00 more a year. Agrisano
Where they stand in the region
Helsana ranks 12 and SWICA ranks 5, 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 546.00 | CHF 532.60 | + 13.40 |
| 500 | CHF 534.40 | CHF 521.00 | + 13.40 |
| 1'000 | CHF 505.20 | CHF 491.80 | + 13.40 |
| 1'500 | CHF 476.00 | CHF 462.60 | + 13.40 |
| 2'000 | CHF 446.90 | CHF 433.50 | + 13.40 |
| 2'500 | CHF 417.70 | CHF 404.30 | + 13.40 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Helsana | SWICA |
|---|---|---|
| Family doctor | CHF 458.60 | CHF 450.10 |
| Other model | CHF 480.40 | CHF 483.40 |
| Free choice of doctor | CHF 546.00 | CHF 532.60 |
| HMO practice | — | CHF 451.40 |
How they moved in this region
Against 2025, Helsana moves by + 6.7 % and SWICA by + 2.0 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.