SWICA or CONCORDIA in Region 2 of canton St. Gallen?
In Region 2, SWICA is CHF 70.80 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 450.10 a month, CONCORDIA to CHF 456.00. The gap is CHF 70.80 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 CONCORDIA ranks 7, 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 532.60 | CHF 533.30 | − 0.70 |
| 500 | CHF 521.00 | CHF 521.70 | − 0.70 |
| 1'000 | CHF 491.80 | CHF 492.50 | − 0.70 |
| 1'500 | CHF 462.60 | CHF 463.30 | − 0.70 |
| 2'000 | CHF 433.50 | CHF 434.20 | − 0.70 |
| 2'500 | CHF 404.30 | CHF 405.00 | − 0.70 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | SWICA | CONCORDIA |
|---|---|---|
| Family doctor | CHF 450.10 | CHF 474.70 |
| HMO practice | CHF 451.40 | CHF 456.00 |
| Other model | CHF 483.40 | CHF 461.40 |
| Free choice of doctor | CHF 532.60 | CHF 533.30 |
How they moved in this region
Against 2025, SWICA moves by + 2.0 % and CONCORDIA by + 7.2 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.