FAVORIT BESTCARE or FAVORIT MEDICA — Region 2, St. Gallen
Region 2, St. Gallen: with SWICA, FAVORIT BESTCARE costs CHF 468.70 a month in 2026 and FAVORIT MEDICA CHF 511.30, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
FAVORIT BESTCARE is the cheaper of the two here: CHF 511.20 saved per year against FAVORIT MEDICA, for cover identical under the law. What you pay more or less for is the care pathway.
What you accept in each case
FAVORIT BESTCARE is a "Group practice (HMO)" model. FAVORIT MEDICA is a "Family doctor" model.
- FAVORIT BESTCARE
Group practice (HMO)
You go to a designated group practice, which coordinates your care.
- FAVORIT MEDICA
Family doctor
You pick a family doctor and always go to them first.
The price at every deductible
| Deductible | FAVORIT BESTCARE | FAVORIT MEDICA | Gap per year |
|---|---|---|---|
| 300 | CHF 468.70 | CHF 511.30 | CHF 511.20 |
| 500 | CHF 457.10 | CHF 499.70 | CHF 511.20 |
| 1'000 | CHF 443.90 | CHF 475.80 | CHF 382.80 |
| 1'500 | CHF 430.70 | CHF 446.70 | CHF 192.00 |
| 2'000 | CHF 417.50 | CHF 417.50 | — |
| 2'500 | CHF 388.30 | CHF 388.30 | — |
The comparison, region by region
An alternative model commits you to a care pathway: check the conditions with the insurer before signing. This page gives a price, not advice.
Source: Federal Office of Public Health (FOPH), official premiums and territorial coverage areas.