SWICA in canton Obwalden: twelve years of premiums
In canton Obwalden, the lowest SWICA premium went from CHF 313.10 a month in 2015 to CHF 420.70 in 2026 — a rise of +34.4 %. The table below places it next to the canton's cheapest insurer, year by year.
| Year | This insurer | The cheapest | Gap |
|---|---|---|---|
| 2015 | CHF 313.10 | CHF 237.90 | CHF 75.20 |
| 2016 | CHF 321.60 | CHF 237.90 | CHF 83.70 |
| 2017 | CHF 367.20 | CHF 284.70 | CHF 82.50 |
| 2018 | CHF 370.80 | CHF 302.50 | CHF 68.30 |
| 2019 | CHF 370.80 | CHF 316.30 | CHF 54.50 |
| 2020 | CHF 344.80 | CHF 314.50 | CHF 30.30 |
| 2021 | CHF 344.80 | CHF 294.00 | CHF 50.80 |
| 2022 | CHF 372.00 | CHF 320.00 | CHF 52.00 |
| 2023 | CHF 452.90 | CHF 320.00 | CHF 132.90 |
| 2024 | CHF 430.50 | CHF 346.50 | CHF 84.00 |
| 2025 | CHF 397.00 | CHF 356.90 | CHF 40.10 |
| 2026 | CHF 420.70 | CHF 382.80 | CHF 37.90 |
Faster or slower than the rest?
SWICA rose +34.4 % over the period, against +60.9 % 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 2023: +21.8 % in one go. The premium did not move in 2019, 2021.
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.