SWICA in canton St. Gallen: twelve years of premiums
In canton St. Gallen, the lowest SWICA premium went from CHF 291.70 a month in 2015 to CHF 431.30 in 2026 — a rise of +47.9 %. The table below places it next to the canton's cheapest insurer, year by year.
| Year | This insurer | The cheapest | Gap |
|---|---|---|---|
| 2015 | CHF 291.70 | CHF 247.00 | CHF 44.70 |
| 2016 | CHF 304.50 | CHF 257.00 | CHF 47.50 |
| 2017 | CHF 316.70 | CHF 292.90 | CHF 23.80 |
| 2018 | CHF 330.40 | CHF 311.00 | CHF 19.40 |
| 2019 | CHF 339.90 | CHF 331.20 | CHF 8.70 |
| 2020 | CHF 343.20 | CHF 333.50 | CHF 9.70 |
| 2021 | CHF 341.60 | CHF 331.20 | CHF 10.40 |
| 2022 | CHF 343.10 | CHF 332.90 | CHF 10.20 |
| 2023 | CHF 374.50 | CHF 343.90 | CHF 30.60 |
| 2024 | CHF 408.70 | CHF 366.90 | CHF 41.80 |
| 2025 | CHF 414.10 | CHF 381.60 | CHF 32.50 |
| 2026 | CHF 431.30 | CHF 401.60 | CHF 29.70 |
Faster or slower than the rest?
SWICA rose +47.9 % over the period, against +62.6 % 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: +9.2 % 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.
St. Gallen, canton by canton
SWICA, canton by canton
Other insurers
Source: Federal Office of Public Health (FOPH), premium files from 2015 to today.