SWICA — Region 1, St. Gallen: twelve years of premiums
Region 1, St. Gallen: the lowest SWICA premium went from CHF 333.80 a month in 2015 to CHF 482.90 in 2026 — a rise of +44.7 %. The table below places it next to this region's cheapest insurer, year by year.
| Year | This insurer | The cheapest | Gap |
|---|---|---|---|
| 2015 | CHF 333.80 | CHF 281.70 | CHF 52.10 |
| 2016 | CHF 348.30 | CHF 295.70 | CHF 52.60 |
| 2017 | CHF 362.00 | CHF 316.10 | CHF 45.90 |
| 2018 | CHF 377.60 | CHF 349.10 | CHF 28.50 |
| 2019 | CHF 388.60 | CHF 363.70 | CHF 24.90 |
| 2020 | CHF 391.90 | CHF 353.90 | CHF 38.00 |
| 2021 | CHF 390.30 | CHF 356.70 | CHF 33.60 |
| 2022 | CHF 392.00 | CHF 371.00 | CHF 21.00 |
| 2023 | CHF 420.40 | CHF 382.20 | CHF 38.20 |
| 2024 | CHF 464.40 | CHF 432.30 | CHF 32.10 |
| 2025 | CHF 470.50 | CHF 453.00 | CHF 17.50 |
| 2026 | CHF 482.90 | CHF 479.65 | CHF 3.25 |
Faster or slower than the rest?
SWICA rose +44.7 % over the period, against +70.3 % 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: +10.5 % 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.