Helsana or SWICA in Region 1 of canton Valais?

In Region 1, SWICA is CHF 51.60 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 493.80 a month, Helsana to CHF 498.10. The gap is CHF 51.60 a year, 300-franc deductible, accident cover included.

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

Helsana ranks 7 and SWICA ranks 4, out of 26 active insurers in this region.

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 593.00	CHF 594.90	− 1.90
500	CHF 581.40	CHF 583.30	− 1.90
1'000	CHF 552.20	CHF 554.10	− 1.90
1'500	CHF 523.00	CHF 524.90	− 1.90
2'000	CHF 493.90	CHF 495.80	− 1.90
2'500	CHF 464.70	CHF 466.60	− 1.90

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

Against 2025, Helsana moves by + 5.8 % and SWICA by + 0.9 % in this region.

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