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Sophie

SWICA or Assura-Basis in Region 3 of canton St. Gallen?

In Region 3, SWICA is CHF 45.60 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 431.30 a month, Assura-Basis to CHF 435.10. The gap is CHF 45.60 a year, 300-franc deductible, accident cover included.

What the question hides

Neither is the cheapest here: that is Agrisano, at CHF 401.60 a month. Moving there rather than to SWICA is worth CHF 356.40 more a year. Agrisano

Where they stand in the region

SWICA ranks 2 and Assura-Basis 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.

DeductibleSWICAAssura-BasisGap
300CHF 508.90CHF 524.20− 15.30
500CHF 497.30CHF 512.60− 15.30
1'000CHF 468.10CHF 483.40− 15.30
1'500CHF 438.90CHF 454.20− 15.30
2'000CHF 409.80CHF 425.10− 15.30
2'500CHF 380.60CHF 395.90− 15.30

Model by model

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

ModelSWICAAssura-Basis
HMO practiceCHF 431.30—
Family doctorCHF 442.80CHF 435.10
Other modelCHF 461.90—
Free choice of doctorCHF 508.90CHF 524.20

How they moved in this region

Against 2025, SWICA moves by + 4.2 % 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.