SWICA — Region 3 of canton St. Gallen, 2026 premiums
SWICA covers the 23 municipalities of Region 3 in canton St. Gallen. Its lowest adult premium here is CHF 281.80 a month, with a 300-franc deductible and accident cover included.
Where it stands in this region
SWICA ranks 2 out of 25 active insurers in Region 3, cheapest to dearest.
The regional average across insurers is CHF 457.98 a month.
What staying costs
Moving from SWICA to Agrisano, the cheapest insurer in this region, saves CHF 356.40 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 508.90 | CHF 442.80 | CHF 431.30 | CHF 461.90 |
| 500 | CHF 497.30 | CHF 431.10 | CHF 419.70 | CHF 450.20 |
| 1'000 | CHF 468.10 | CHF 407.00 | CHF 395.60 | CHF 426.10 |
| 1'500 | CHF 438.90 | CHF 377.90 | CHF 366.40 | CHF 397.00 |
| 2'000 | CHF 409.80 | CHF 343.60 | CHF 332.20 | CHF 367.80 |
| 2'500 | CHF 380.60 | CHF 314.50 | CHF 303.00 | CHF 338.60 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 381.70 | CHF 339.80 | CHF 338.80 | CHF 357.90 |
| 500 | CHF 370.10 | CHF 328.10 | CHF 327.10 | CHF 346.20 |
| 1'000 | CHF 340.90 | CHF 302.70 | CHF 307.50 | CHF 317.10 |
| 1'500 | CHF 311.70 | CHF 273.60 | CHF 278.40 | CHF 287.90 |
| 2'000 | CHF 282.60 | CHF 240.60 | CHF 241.60 | CHF 258.70 |
| 2'500 | CHF 253.40 | CHF 211.40 | CHF 212.40 | CHF 229.60 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 0 | CHF 50.90 | CHF 46.90 | CHF 48.80 | CHF 50.90 |
| 200 | CHF 40.80 | CHF 38.30 | CHF 39.90 | CHF 40.80 |
| 400 | CHF 30.60 | CHF 28.80 | CHF 29.90 | CHF 30.60 |
| 600 | CHF 27.40 | CHF 27.40 | CHF 27.40 | CHF 27.40 |
With or without accident cover
With accident cover: CHF 508.90 a month. Without: CHF 473.30. Dropping it saves CHF 427.20 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 414.10 in 2025 to CHF 281.80 — a rise of 4.2 %.
The 23 municipalities in this region
They all pay exactly the same rate: under basic insurance the premium belongs to Region 3 of canton St. Gallen, not to the municipality.
Altstätten · Balgach · Berneck · Bütschwil-Ganterschwil · Degersheim · Diepoldsau · Ebnat-Kappel · Eichberg · Gams · Grabs · Lichtensteig · Lütisburg · Marbach (SG) · Mosnang · Neckertal · Nesslau · Oberriet (SG) · Rebstein · Rüthi (SG) · Sennwald · Wattwil · Widnau · Wildhaus-Alt St. Johann
The other insurers in Region 3
25 insurers offer premiums in this region. Lowest adult premium, 300-franc deductible, accident cover included.
| Insurer | From | |
|---|---|---|
| Agrisano | CHF 401.60 | View |
| KPT | CHF 431.80 | View |
| Galenos | CHF 434.40 | View |
| Assura-Basis | CHF 435.10 | View |
| CONCORDIA | CHF 441.10 | View |
| Helsana | CHF 441.80 | View |
| Atupri | CHF 443.10 | View |
| sana24 | CHF 444.80 | View |
| Sanitas | CHF 445.80 | View |
| CSS | CHF 446.30 | View |
| ÖKK | CHF 447.10 | View |
| Aquilana | CHF 447.80 | View |
| Vivao Sympany | CHF 448.90 | View |
| EGK | CHF 454.50 | View |
| Sumiswalder | CHF 455.00 | View |
| rhenusana | CHF 457.10 | View |
| Mutuel | CHF 464.30 | View |
| vita surselva | CHF 465.50 | View |
| Avenir | CHF 471.40 | View |
| Glarner | CHF 490.50 | View |
| Visana | CHF 505.00 | View |
| SLKK | CHF 506.80 | View |
| Philos | CHF 512.50 | View |
| Einsiedler | CHF 525.95 | View |
Source: Federal Office of Public Health (FOPH), official premiums.