SWICA in canton Appenzell Innerrhoden: twelve years of premiums
In canton Appenzell Innerrhoden, the lowest SWICA premium went from CHF 253.80 a month in 2015 to CHF 387.20 in 2026 — a rise of +52.6 %. The table below places it next to the canton's cheapest insurer, year by year.
| Year | This insurer | The cheapest | Gap |
|---|---|---|---|
| 2015 | CHF 253.80 | CHF 236.30 | CHF 17.50 |
| 2016 | CHF 262.40 | CHF 249.50 | CHF 12.90 |
| 2017 | CHF 284.30 | CHF 272.50 | CHF 11.80 |
| 2018 | CHF 282.70 | CHF 282.40 | CHF 0.30 |
| 2019 | CHF 280.20 | CHF 280.20 | — |
| 2020 | CHF 285.90 | CHF 285.90 | — |
| 2021 | CHF 272.10 | CHF 272.10 | — |
| 2022 | CHF 278.10 | CHF 278.10 | — |
| 2023 | CHF 325.60 | CHF 310.60 | CHF 15.00 |
| 2024 | CHF 342.30 | CHF 329.60 | CHF 12.70 |
| 2025 | CHF 345.60 | CHF 345.60 | — |
| 2026 | CHF 387.20 | CHF 353.50 | CHF 33.70 |
Faster or slower than the rest?
SWICA rose +52.6 % over the period, against +49.6 % for the cheapest insurer in the same place. The gap widened: staying put cost a little more every year.
The year that hurt — The steepest year-on-year jump was 2023: +17.1 % in one go.
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.