FAVORIT BESTCARE or FAVORIT MEDICA — Region 3, St. Gallen
Region 3, St. Gallen: with SWICA, FAVORIT BESTCARE costs CHF 442.80 a month in 2026 and FAVORIT MEDICA CHF 488.60, 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 549.60 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 442.80 | CHF 488.60 | CHF 549.60 |
| 500 | CHF 431.10 | CHF 476.90 | CHF 549.60 |
| 1'000 | CHF 417.20 | CHF 452.80 | CHF 427.20 |
| 1'500 | CHF 403.30 | CHF 423.70 | CHF 244.80 |
| 2'000 | CHF 389.40 | CHF 394.50 | CHF 61.20 |
| 2'500 | CHF 360.30 | CHF 365.30 | CHF 60.00 |
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.