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

In Region 1, Sanitas is CHF 39.00 a year cheaper than SWICA for an adult on the same profile. Here is the detail — and what a third insurer would do.

The verdict, in this region

Sanitas comes down to CHF 479.65 a month, SWICA to CHF 482.90. The gap is CHF 39.00 a year, 300-franc deductible, accident cover included.

What the question hides

Sanitas is also the cheapest insurer in the region, out of 25 active insurers. Duel and ranking give the same answer here.

Where they stand in the region

SWICA ranks 4 and Sanitas ranks 1, 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.

DeductibleSWICASanitasGap
300CHF 581.80CHF 551.30+ 30.50
500CHF 570.20CHF 539.70+ 30.50
1'000CHF 541.00CHF 510.50+ 30.50
1'500CHF 511.80CHF 481.30+ 30.50
2'000CHF 482.70CHF 452.20+ 30.50
2'500CHF 453.50CHF 423.00+ 30.50

Model by model

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

ModelSWICASanitas
Family doctorCHF 482.90CHF 479.65
HMO practiceCHF 484.40CHF 501.70
Other modelCHF 528.00CHF 496.20
Free choice of doctorCHF 581.80CHF 551.30

How they moved in this region

Against 2025, SWICA moves by + 2.6 % and Sanitas by + 4.1 % in this region.

SWICA, Sanitas, 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.