SWICA or CONCORDIA in Region 1 of canton St. Gallen?
In Region 1, SWICA is CHF 45.60 a year cheaper than CONCORDIA 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, CONCORDIA to CHF 486.70. 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 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 CONCORDIA ranks 8, 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 | CONCORDIA | Gap |
|---|---|---|---|
| 300 | CHF 581.80 | CHF 569.20 | + 12.60 |
| 500 | CHF 570.20 | CHF 557.60 | + 12.60 |
| 1'000 | CHF 541.00 | CHF 528.40 | + 12.60 |
| 1'500 | CHF 511.80 | CHF 499.20 | + 12.60 |
| 2'000 | CHF 482.70 | CHF 470.10 | + 12.60 |
| 2'500 | CHF 453.50 | CHF 440.90 | + 12.60 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | SWICA | CONCORDIA |
|---|---|---|
| Family doctor | CHF 482.90 | CHF 506.60 |
| HMO practice | CHF 484.40 | CHF 486.70 |
| Other model | CHF 528.00 | CHF 492.40 |
| Free choice of doctor | CHF 581.80 | CHF 569.20 |
How they moved in this region
Against 2025, SWICA moves by + 2.6 % and CONCORDIA by + 7.2 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.