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SWICA or Assura-Basis in Region 1 of canton St. Gallen?

In Region 1, SWICA is CHF 111.60 a year cheaper than Assura-Basis 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, Assura-Basis to CHF 492.20. The gap is CHF 111.60 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

SWICA ranks 4 and Assura-Basis ranks 12, 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.

DeductibleSWICAAssura-BasisGap
300CHF 581.80CHF 595.10− 13.30
500CHF 570.20CHF 583.50− 13.30
1'000CHF 541.00CHF 554.30− 13.30
1'500CHF 511.80CHF 525.10− 13.30
2'000CHF 482.70CHF 496.00− 13.30
2'500CHF 453.50CHF 466.80− 13.30

Model by model

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

ModelSWICAAssura-Basis
Family doctorCHF 482.90CHF 492.20
HMO practiceCHF 484.40—
Other modelCHF 528.00—
Free choice of doctorCHF 581.80CHF 595.10

How they moved in this region

Against 2025, SWICA moves by + 2.6 % and Assura-Basis by + 2.4 % in this region.

SWICA, Assura-Basis, 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.