SWICA or EGK in Region 3 of canton St. Gallen?

In Region 3, SWICA is CHF 278.40 a year cheaper than EGK 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, EGK to CHF 454.50. The gap is CHF 278.40 a year, 300-franc deductible, accident cover included.

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

SWICA ranks 2 and EGK ranks 15, out of 25 active insurers in this region.

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	EGK	Gap
300	CHF 508.90	CHF 510.60	− 1.70
500	CHF 497.30	CHF 499.00	− 1.70
1'000	CHF 468.10	CHF 469.80	− 1.70
1'500	CHF 438.90	CHF 440.60	− 1.70
2'000	CHF 409.80	CHF 411.50	− 1.70
2'500	CHF 380.60	CHF 382.30	− 1.70

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

Against 2025, SWICA moves by + 4.2 % and EGK by + 3.2 % in this region.

Source: Federal Office of Public Health (FOPH), official premiums.