SWICA or CONCORDIA in Region 2 of canton Valais?
In Region 2, SWICA is CHF 27.60 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 448.40 a month, CONCORDIA to CHF 450.70. The gap is CHF 27.60 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 406.30 a month. Moving there rather than to SWICA is worth CHF 505.20 more a year. Agrisano
Where they stand in the region
SWICA ranks 13 and CONCORDIA ranks 15, out of 28 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 515.30 | CHF 521.00 | − 5.70 |
| 500 | CHF 503.70 | CHF 509.40 | − 5.70 |
| 1'000 | CHF 474.50 | CHF 480.20 | − 5.70 |
| 1'500 | CHF 445.30 | CHF 451.00 | − 5.70 |
| 2'000 | CHF 416.20 | CHF 421.90 | − 5.70 |
| 2'500 | CHF 387.00 | CHF 392.70 | − 5.70 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | SWICA | CONCORDIA |
|---|---|---|
| Family doctor | CHF 448.40 | CHF 463.70 |
| Other model | CHF 474.10 | CHF 450.70 |
| Free choice of doctor | CHF 515.30 | CHF 521.00 |
| HMO practice | — | CHF 450.70 |
How they moved in this region
Against 2025, SWICA moves by + 1.5 % and CONCORDIA by + 7.2 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.