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

In Region 3, SWICA is CHF 396.00 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 431.30 a month, Mutuel to CHF 464.30. The gap is CHF 396.00 a year, 300-franc deductible, accident cover included.

What the question hides

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

Where they stand in the region

SWICA ranks 2 and Mutuel ranks 18, 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 508.90CHF 530.60− 21.70
500CHF 497.30CHF 519.10− 21.80
1'000CHF 468.10CHF 490.10− 22.00
1'500CHF 438.90CHF 460.60− 21.70
2'000CHF 409.80CHF 431.60− 21.80
2'500CHF 380.60CHF 402.60− 22.00

Model by model

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

ModelSWICAMutuel
HMO practiceCHF 431.30CHF 466.90
Family doctorCHF 442.80CHF 482.90
Other modelCHF 461.90CHF 464.30
Free choice of doctorCHF 508.90CHF 530.60

How they moved in this region

Against 2025, SWICA moves by + 4.2 % 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.