SWICA or Sanitas in Region 2 of canton Valais?
In Region 2, SWICA is CHF 528.00 a year cheaper than Sanitas 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 448.40 a month, Sanitas to CHF 492.40. The gap is CHF 528.00 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 406.30 a month. Moving there rather than to SWICA is worth CHF 505.20 more a year. Agrisano
Where they stand in the region
SWICA ranks 13 and Sanitas ranks 22, out of 28 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 515.30 | CHF 566.00 | − 50.70 |
| 500 | CHF 503.70 | CHF 554.40 | − 50.70 |
| 1'000 | CHF 474.50 | CHF 525.20 | − 50.70 |
| 1'500 | CHF 445.30 | CHF 496.00 | − 50.70 |
| 2'000 | CHF 416.20 | CHF 466.90 | − 50.70 |
| 2'500 | CHF 387.00 | CHF 437.70 | − 50.70 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | SWICA | Sanitas |
|---|---|---|
| Family doctor | CHF 448.40 | CHF 492.40 |
| Other model | CHF 474.10 | CHF 509.40 |
| Free choice of doctor | CHF 515.30 | CHF 566.00 |
| HMO practice | — | CHF 515.10 |
How they moved in this region
Against 2025, SWICA moves by + 1.5 % and Sanitas by + 2.5 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.