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SWICA or Mutuel in Region 2 of canton St. Gallen?

In Region 2, SWICA is CHF 487.20 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 450.10 a month, Mutuel to CHF 490.70. The gap is CHF 487.20 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 SWICA is worth CHF 366.00 more a year. Agrisano

Where they stand in the region

SWICA ranks 5 and Mutuel ranks 19, 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.

DeductibleSWICAMutuelGap
300CHF 532.60CHF 560.70− 28.10
500CHF 521.00CHF 549.20− 28.20
1'000CHF 491.80CHF 520.20− 28.40
1'500CHF 462.60CHF 490.70− 28.10
2'000CHF 433.50CHF 461.70− 28.20
2'500CHF 404.30CHF 432.70− 28.40

Model by model

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

ModelSWICAMutuel
Family doctorCHF 450.10CHF 510.30
HMO practiceCHF 451.40CHF 493.50
Other modelCHF 483.40CHF 490.70
Free choice of doctorCHF 532.60CHF 560.70

How they moved in this region

Against 2025, SWICA moves by + 2.0 % and Mutuel by + 4.6 % in this region.

SWICA, Mutuel, or another?

The comparator works out your actual premium across all 34 insurers at once, from your age, deductible and municipality.

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