SWICA — Region 2, St. Gallen: twelve years of premiums
Region 2, St. Gallen: the lowest SWICA premium went from CHF 301.10 a month in 2015 to CHF 450.10 in 2026 — a rise of +49.5 %. The table below places it next to this region's cheapest insurer, year by year.
| Year | This insurer | The cheapest | Gap |
|---|---|---|---|
| 2015 | CHF 301.10 | CHF 258.70 | CHF 42.40 |
| 2016 | CHF 314.20 | CHF 269.60 | CHF 44.60 |
| 2017 | CHF 327.20 | CHF 309.60 | CHF 17.60 |
| 2018 | CHF 341.80 | CHF 327.40 | CHF 14.40 |
| 2019 | CHF 351.70 | CHF 339.70 | CHF 12.00 |
| 2020 | CHF 355.00 | CHF 349.90 | CHF 5.10 |
| 2021 | CHF 353.40 | CHF 348.60 | CHF 4.80 |
| 2022 | CHF 355.00 | CHF 346.90 | CHF 8.10 |
| 2023 | CHF 380.70 | CHF 371.70 | CHF 9.00 |
| 2024 | CHF 423.00 | CHF 379.80 | CHF 43.20 |
| 2025 | CHF 441.10 | CHF 398.70 | CHF 42.40 |
| 2026 | CHF 450.10 | CHF 419.60 | CHF 30.50 |
Faster or slower than the rest?
SWICA rose +49.5 % over the period, against +62.2 % 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: +11.1 % 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.