SWICA or Sanitas in Region 1 of canton Valais?
In Region 1, Sanitas is CHF 80.40 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 487.10 a month, SWICA to CHF 493.80. The gap is CHF 80.40 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Atupri, at CHF 481.20 a month. Moving there rather than to Sanitas is worth CHF 70.80 more a year. Atupri
Where they stand in the region
SWICA ranks 4 and Sanitas ranks 2, out of 26 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.
| Deductible | SWICA | Sanitas | Gap |
|---|---|---|---|
| 300 | CHF 594.90 | CHF 559.90 | + 35.00 |
| 500 | CHF 583.30 | CHF 548.30 | + 35.00 |
| 1'000 | CHF 554.10 | CHF 519.10 | + 35.00 |
| 1'500 | CHF 524.90 | CHF 489.90 | + 35.00 |
| 2'000 | CHF 495.80 | CHF 460.80 | + 35.00 |
| 2'500 | CHF 466.60 | CHF 431.60 | + 35.00 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | SWICA | Sanitas |
|---|---|---|
| Family doctor | CHF 493.80 | CHF 487.10 |
| Other model | CHF 547.40 | CHF 504.00 |
| Free choice of doctor | CHF 594.90 | CHF 559.90 |
| HMO practice | — | CHF 509.60 |
How they moved in this region
Against 2025, SWICA moves by + 0.9 % and Sanitas by + 4.6 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.