SWICA — Region 2 of canton St. Gallen, 2026 premiums
SWICA covers the 44 municipalities of Region 2 in canton St. Gallen. Its lowest adult premium here is CHF 299.20 a month, with a 300-franc deductible and accident cover included.
Where it stands in this region
SWICA ranks 5 out of 25 active insurers in Region 2, cheapest to dearest.
The regional average across insurers is CHF 473.81 a month.
What staying costs
Moving from SWICA to Agrisano, the cheapest insurer in this region, saves CHF 366.00 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 532.60 | CHF 450.10 | CHF 451.40 | CHF 483.40 |
| 500 | CHF 521.00 | CHF 438.40 | CHF 439.80 | CHF 471.70 |
| 1'000 | CHF 491.80 | CHF 414.60 | CHF 415.90 | CHF 447.90 |
| 1'500 | CHF 462.60 | CHF 385.40 | CHF 386.80 | CHF 418.70 |
| 2'000 | CHF 433.50 | CHF 350.90 | CHF 352.30 | CHF 389.50 |
| 2'500 | CHF 404.30 | CHF 321.80 | CHF 323.10 | CHF 360.40 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 399.50 | CHF 345.60 | CHF 354.60 | CHF 374.60 |
| 500 | CHF 387.90 | CHF 334.00 | CHF 342.90 | CHF 362.90 |
| 1'000 | CHF 358.70 | CHF 308.80 | CHF 323.80 | CHF 333.70 |
| 1'500 | CHF 329.50 | CHF 279.60 | CHF 294.60 | CHF 304.60 |
| 2'000 | CHF 300.40 | CHF 246.50 | CHF 257.40 | CHF 275.40 |
| 2'500 | CHF 271.20 | CHF 217.30 | CHF 228.30 | CHF 246.20 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 0 | CHF 53.30 | CHF 47.80 | CHF 51.10 | CHF 53.30 |
| 200 | CHF 42.70 | CHF 39.10 | CHF 41.70 | CHF 42.70 |
| 400 | CHF 32.00 | CHF 29.30 | CHF 31.30 | CHF 32.00 |
| 600 | CHF 28.70 | CHF 28.70 | CHF 28.70 | CHF 28.70 |
With or without accident cover
With accident cover: CHF 532.60 a month. Without: CHF 495.40. Dropping it saves CHF 446.40 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 441.10 in 2025 to CHF 299.20 — a rise of 2.0 %.
The 44 municipalities in this region
They all pay exactly the same rate: under basic insurance the premium belongs to Region 2 of canton St. Gallen, not to the municipality.
Amden · Andwil (SG) · Au (SG) · Bad Ragaz · Benken (SG) · Berg (SG) · Buchs (SG) · Eggersriet · Eschenbach (SG) · Flawil · Flums · Goldach · Gommiswald · Häggenschwil · Jonschwil · Kaltbrunn · Kirchberg (SG) · Mels · Muolen · Mörschwil · Oberuzwil · Pfäfers · Quarten · Rapperswil-Jona · Rheineck · Rorschach · Rorschacherberg · Sargans · Schmerikon · Schänis · Sevelen · St. Margrethen · Steinach · Thal · Tübach · Untereggen · Uznach · Uzwil · Vilters-Wangs · Waldkirch · Walenstadt · Wartau · Weesen · Wittenbach
The other insurers in Region 2
25 insurers offer premiums in this region. Lowest adult premium, 300-franc deductible, accident cover included.
| Insurer | From | |
|---|---|---|
| Agrisano | CHF 419.60 | View |
| Atupri | CHF 443.90 | View |
| CSS | CHF 444.40 | View |
| KPT | CHF 448.50 | View |
| ÖKK | CHF 455.90 | View |
| CONCORDIA | CHF 456.00 | View |
| Aquilana | CHF 457.10 | View |
| Sanitas | CHF 457.30 | View |
| EGK | CHF 457.80 | View |
| Assura-Basis | CHF 458.00 | View |
| Helsana | CHF 458.60 | View |
| Galenos | CHF 459.00 | View |
| sana24 | CHF 466.50 | View |
| rhenusana | CHF 471.10 | View |
| Sumiswalder | CHF 474.50 | View |
| Vivao Sympany | CHF 479.70 | View |
| Avenir | CHF 486.50 | View |
| Mutuel | CHF 490.70 | View |
| vita surselva | CHF 506.00 | View |
| Glarner | CHF 511.10 | View |
| SLKK | CHF 512.50 | View |
| Visana | CHF 514.30 | View |
| Philos | CHF 518.20 | View |
| Einsiedler | CHF 547.95 | View |
Source: Federal Office of Public Health (FOPH), official premiums.