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SWICA or Assura-Basis in Region 2 of canton St. Gallen?

In Region 2, SWICA is CHF 94.80 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 450.10 a month, Assura-Basis to CHF 458.00. The gap is CHF 94.80 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

SWICA ranks 5 and Assura-Basis ranks 11, 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 532.60CHF 551.70− 19.10
500CHF 521.00CHF 540.10− 19.10
1'000CHF 491.80CHF 510.90− 19.10
1'500CHF 462.60CHF 481.70− 19.10
2'000CHF 433.50CHF 452.60− 19.10
2'500CHF 404.30CHF 423.40− 19.10

Model by model

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

ModelSWICAAssura-Basis
Family doctorCHF 450.10CHF 458.00
HMO practiceCHF 451.40—
Other modelCHF 483.40—
Free choice of doctorCHF 532.60CHF 551.70

How they moved in this region

Against 2025, SWICA moves by + 2.0 % 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.