SWICA or Mutuel in Region 1 of canton St. Gallen?

In Region 1, SWICA is CHF 536.40 a year cheaper than Mutuel 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, Mutuel to CHF 527.60. The gap is CHF 536.40 a year, 300-franc deductible, accident cover included.

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

SWICA ranks 4 and Mutuel ranks 19, 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	Mutuel	Gap
300	CHF 581.80	CHF 602.90	− 21.10
500	CHF 570.20	CHF 591.40	− 21.20
1'000	CHF 541.00	CHF 562.40	− 21.40
1'500	CHF 511.80	CHF 532.90	− 21.10
2'000	CHF 482.70	CHF 503.90	− 21.20
2'500	CHF 453.50	CHF 474.90	− 21.40

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

Against 2025, SWICA moves by + 2.6 % and Mutuel by + 4.6 % in this region.

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