SWICA or KPT in Region 2 of canton St. Gallen?
In Region 2, KPT is CHF 19.20 a year cheaper than SWICA for an adult on the same profile. Here is the detail — and what a third insurer would do.
The verdict, in this region
KPT comes down to CHF 448.50 a month, SWICA to CHF 450.10. The gap is CHF 19.20 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 KPT is worth CHF 346.80 more a year. Agrisano
Where they stand in the region
SWICA ranks 5 and KPT ranks 4, 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 | KPT | Gap |
|---|---|---|---|
| 300 | CHF 532.60 | CHF 528.60 | + 4.00 |
| 500 | CHF 521.00 | CHF 517.00 | + 4.00 |
| 1'000 | CHF 491.80 | CHF 487.80 | + 4.00 |
| 1'500 | CHF 462.60 | CHF 458.60 | + 4.00 |
| 2'000 | CHF 433.50 | — | — |
| 2'500 | CHF 404.30 | CHF 400.30 | + 4.00 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | SWICA | KPT |
|---|---|---|
| Family doctor | CHF 450.10 | CHF 468.60 |
| HMO practice | CHF 451.40 | CHF 452.50 |
| Other model | CHF 483.40 | CHF 448.50 |
| Free choice of doctor | CHF 532.60 | CHF 528.60 |
How they moved in this region
Against 2025, SWICA moves by + 2.0 % and KPT by + 3.2 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.