SWICA or Mutuel in Region 1 of canton Valais?

In Region 1, SWICA is CHF 112.80 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 493.80 a month, Mutuel to CHF 503.20. The gap is CHF 112.80 a year, 300-franc deductible, accident cover included.

Neither is the cheapest here: that is Atupri, at CHF 481.20 a month. Moving there rather than to SWICA is worth CHF 151.20 more a year. Atupri

SWICA ranks 4 and Mutuel ranks 12, out of 26 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 594.90	CHF 599.00	− 4.10
500	CHF 583.30	CHF 587.50	− 4.20
1'000	CHF 554.10	CHF 558.50	− 4.40
1'500	CHF 524.90	CHF 529.00	− 4.10
2'000	CHF 495.80	CHF 500.00	− 4.20
2'500	CHF 466.60	CHF 471.00	− 4.40

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

Against 2025, SWICA moves by + 0.9 % and Mutuel by + 6.2 % in this region.

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