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SWICA or Visana in Region 2 of canton St. Gallen?

In Region 2, SWICA is CHF 770.40 a year cheaper than Visana 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 450.10 a month, Visana to CHF 514.30. The gap is CHF 770.40 a year, 300-franc deductible, accident cover included.

What the question hides

Neither is the cheapest here: that is Agrisano, at CHF 419.60 a month. Moving there rather than to SWICA is worth CHF 366.00 more a year. Agrisano

Where they stand in the region

SWICA ranks 5 and Visana ranks 23, 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.

DeductibleSWICAVisanaGap
300CHF 532.60CHF 605.70− 73.10
500CHF 521.00CHF 599.00− 78.00
1'000CHF 491.80CHF 564.90− 73.10
1'500CHF 462.60CHF 535.70− 73.10
2'000CHF 433.50CHF 506.50− 73.00
2'500CHF 404.30CHF 477.40− 73.10

Model by model

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

ModelSWICAVisana
Family doctorCHF 450.10CHF 521.00
HMO practiceCHF 451.40CHF 514.30
Other modelCHF 483.40CHF 521.00
Free choice of doctorCHF 532.60CHF 605.70

How they moved in this region

Against 2025, SWICA moves by + 2.0 % and Visana by + 1.2 % in this region.

SWICA, Visana, 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.