SWICA in canton Appenzell Ausserrhoden: twelve years of premiums
In canton Appenzell Ausserrhoden, the lowest SWICA premium went from CHF 288.30 a month in 2015 to CHF 454.60 in 2026 — a rise of +57.7 %. The table below places it next to the canton's cheapest insurer, year by year.
| Year | This insurer | The cheapest | Gap |
|---|---|---|---|
| 2015 | CHF 288.30 | CHF 236.00 | CHF 52.30 |
| 2016 | CHF 304.50 | CHF 266.80 | CHF 37.70 |
| 2017 | CHF 311.10 | CHF 288.70 | CHF 22.40 |
| 2018 | CHF 331.20 | CHF 302.10 | CHF 29.10 |
| 2019 | CHF 331.20 | CHF 320.40 | CHF 10.80 |
| 2020 | CHF 339.10 | CHF 339.10 | — |
| 2021 | CHF 343.20 | CHF 336.80 | CHF 6.40 |
| 2022 | CHF 345.20 | CHF 345.20 | — |
| 2023 | CHF 374.50 | CHF 341.20 | CHF 33.30 |
| 2024 | CHF 409.10 | CHF 373.20 | CHF 35.90 |
| 2025 | CHF 439.30 | CHF 395.60 | CHF 43.70 |
| 2026 | CHF 454.60 | CHF 412.30 | CHF 42.30 |
Faster or slower than the rest?
SWICA rose +57.7 % over the period, against +74.7 % for the cheapest insurer in the same place. The gap narrowed — which does not mean this insurer is the cheapest today, only that it climbed more slowly.
The year that hurt — The steepest year-on-year jump was 2024: +9.2 % in one go. The premium did not move in 2019.
Figures for an adult, CHF 300 deductible, accident cover included — the only profile defined identically across all twelve years. Each year this is the lowest premium the insurer offered, all models combined.
SWICA, canton by canton
Other insurers
Source: Federal Office of Public Health (FOPH), premium files from 2015 to today.