SWICA — Region 1 of canton St. Gallen, 2026 premiums
SWICA covers the 8 municipalities of Region 1 in canton St. Gallen. Its lowest adult premium here is CHF 329.80 a month, with a 300-franc deductible and accident cover included.
Where it stands in this region
SWICA ranks 4 out of 25 active insurers in Region 1, cheapest to dearest.
The regional average across insurers is CHF 509.79 a month.
What staying costs
Moving from SWICA to Sanitas, the cheapest insurer in this region, saves CHF 39.00 a year for an adult on the same profile.
The full SWICA table
320 official rates for this region. Each cell gives the lowest price for that model at that deductible, accident cover included.
Adults From age 26.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 581.80 | CHF 482.90 | CHF 484.40 | CHF 528.00 |
| 500 | CHF 570.20 | CHF 471.30 | CHF 472.70 | CHF 516.40 |
| 1'000 | CHF 541.00 | CHF 447.90 | CHF 449.40 | CHF 493.00 |
| 1'500 | CHF 511.80 | CHF 418.80 | CHF 420.20 | CHF 463.90 |
| 2'000 | CHF 482.70 | CHF 383.80 | CHF 385.20 | CHF 434.70 |
| 2'500 | CHF 453.50 | CHF 354.60 | CHF 356.10 | CHF 405.50 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 436.40 | CHF 371.00 | CHF 380.80 | CHF 409.20 |
| 500 | CHF 424.80 | CHF 359.30 | CHF 369.10 | CHF 397.50 |
| 1'000 | CHF 395.60 | CHF 334.50 | CHF 350.90 | CHF 368.30 |
| 1'500 | CHF 366.40 | CHF 305.40 | CHF 321.70 | CHF 339.20 |
| 2'000 | CHF 337.30 | CHF 271.80 | CHF 283.80 | CHF 310.00 |
| 2'500 | CHF 308.10 | CHF 242.70 | CHF 254.70 | CHF 280.80 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 0 | CHF 58.20 | CHF 51.30 | CHF 54.90 | CHF 58.20 |
| 200 | CHF 46.60 | CHF 42.00 | CHF 44.90 | CHF 46.60 |
| 400 | CHF 35.00 | CHF 31.50 | CHF 33.70 | CHF 35.00 |
| 600 | CHF 31.30 | CHF 31.30 | CHF 31.30 | CHF 31.30 |
With or without accident cover
With accident cover: CHF 581.80 a month. Without: CHF 541.10. Dropping it saves CHF 488.40 a year — but only if your employer already insures accidents, which requires at least eight hours of work a week.
Every other figure on this page includes accident cover.
Compared with last year
In this region the insurer’s lowest premium goes from CHF 470.50 in 2025 to CHF 329.80 — a rise of 2.6 %.
The 8 municipalities in this region
They all pay exactly the same rate: under basic insurance the premium belongs to Region 1 of canton St. Gallen, not to the municipality.
Gaiserwald · Gossau (SG) · Niederbüren · Niederhelfenschwil · Oberbüren · St. Gallen · Wil (SG) · Zuzwil (SG)
The other insurers in Region 1
25 insurers offer premiums in this region. Lowest adult premium, 300-franc deductible, accident cover included.
| Insurer | From | |
|---|---|---|
| Sanitas | CHF 479.65 | View |
| Vivao Sympany | CHF 479.70 | View |
| sana24 | CHF 482.70 | View |
| Helsana | CHF 483.60 | View |
| Agrisano | CHF 485.40 | View |
| ÖKK | CHF 485.80 | View |
| CONCORDIA | CHF 486.70 | View |
| KPT | CHF 487.30 | View |
| Atupri | CHF 489.30 | View |
| CSS | CHF 491.90 | View |
| Assura-Basis | CHF 492.20 | View |
| Aquilana | CHF 493.10 | View |
| Galenos | CHF 498.00 | View |
| Avenir | CHF 501.50 | View |
| rhenusana | CHF 505.60 | View |
| EGK | CHF 508.20 | View |
| Sumiswalder | CHF 510.90 | View |
| Mutuel | CHF 527.60 | View |
| Visana | CHF 541.30 | View |
| vita surselva | CHF 550.00 | View |
| Glarner | CHF 551.40 | View |
| SLKK | CHF 569.40 | View |
| Philos | CHF 569.40 | View |
| Einsiedler | CHF 591.20 | View |
Source: Federal Office of Public Health (FOPH), official premiums.