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

In Region 1, SWICA is CHF 34.80 a year cheaper than ÖKK 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, ÖKK to CHF 485.80. The gap is CHF 34.80 a year, 300-franc deductible, accident cover included.

What the question hides

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

Where they stand in the region

SWICA ranks 4 and ÖKK ranks 7, 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.

DeductibleSWICAÖKKGap
300CHF 581.80CHF 552.00+ 29.80
500CHF 570.20CHF 540.40+ 29.80
1'000CHF 541.00CHF 511.20+ 29.80
1'500CHF 511.80CHF 482.00+ 29.80
2'000CHF 482.70CHF 452.90+ 29.80
2'500CHF 453.50CHF 423.70+ 29.80

Model by model

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

ModelSWICAÖKK
Family doctorCHF 482.90CHF 496.80
HMO practiceCHF 484.40CHF 485.80
Other modelCHF 528.00CHF 496.80
Free choice of doctorCHF 581.80CHF 552.00

How they moved in this region

Against 2025, SWICA moves by + 2.6 % and ÖKK by + 4.0 % in this region.

SWICA, ÖKK, 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.