SWICA or Atupri in Region 1 of canton St. Gallen?
In Region 1, SWICA is CHF 76.80 a year cheaper than Atupri 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, Atupri to CHF 489.30. The gap is CHF 76.80 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 Atupri ranks 10, 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 | SWICA | Atupri | Gap |
|---|---|---|---|
| 300 | CHF 581.80 | CHF 559.20 | + 22.60 |
| 500 | CHF 570.20 | CHF 547.60 | + 22.60 |
| 1'000 | CHF 541.00 | CHF 518.40 | + 22.60 |
| 1'500 | CHF 511.80 | CHF 489.20 | + 22.60 |
| 2'000 | CHF 482.70 | CHF 460.10 | + 22.60 |
| 2'500 | CHF 453.50 | CHF 430.90 | + 22.60 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | SWICA | Atupri |
|---|---|---|
| Family doctor | CHF 482.90 | CHF 512.80 |
| HMO practice | CHF 484.40 | CHF 500.50 |
| Other model | CHF 528.00 | CHF 489.30 |
| Free choice of doctor | CHF 581.80 | CHF 559.20 |
How they moved in this region
Against 2025, SWICA moves by + 2.6 % and Atupri by + 4.2 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.