FAVORIT BESTCARE or FAVORIT MEDPHARM — Appenzell Ausserrhoden
Appenzell Ausserrhoden: with SWICA, FAVORIT BESTCARE costs CHF 459.90 a month in 2026 and FAVORIT MEDPHARM CHF 467.90, 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 96.00 saved per year against FAVORIT MEDPHARM, 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 MEDPHARM is a "Family doctor" model.
- FAVORIT BESTCARE
Group practice (HMO)
You go to a designated group practice, which coordinates your care.
- FAVORIT MEDPHARM
Family doctor
You pick a family doctor and always go to them first.
The price at every deductible
| Deductible | FAVORIT BESTCARE | FAVORIT MEDPHARM | Gap per year |
|---|---|---|---|
| 300 | CHF 459.90 | CHF 467.90 | CHF 96.00 |
| 500 | CHF 448.30 | CHF 456.20 | CHF 94.80 |
| 1'000 | CHF 435.00 | CHF 432.30 | CHF 32.40 |
| 1'500 | CHF 421.60 | CHF 403.10 | CHF 222.00 |
| 2'000 | CHF 408.30 | CHF 368.70 | CHF 475.20 |
| 2'500 | CHF 379.20 | CHF 339.50 | CHF 476.40 |
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.