FAVORIT BESTCARE or FAVORIT MEDPHARM — Region 2, St. Gallen
Region 2, St. Gallen: with SWICA, FAVORIT BESTCARE costs CHF 468.70 a month in 2026 and FAVORIT MEDPHARM CHF 464.70, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
FAVORIT MEDPHARM is the cheaper of the two here: CHF 48.00 saved per year against FAVORIT BESTCARE, 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 468.70 | CHF 464.70 | CHF 48.00 |
| 500 | CHF 457.10 | CHF 453.10 | CHF 48.00 |
| 1'000 | CHF 443.90 | CHF 429.20 | CHF 176.40 |
| 1'500 | CHF 430.70 | CHF 400.10 | CHF 367.20 |
| 2'000 | CHF 417.50 | CHF 365.60 | CHF 622.80 |
| 2'500 | CHF 388.30 | CHF 336.40 | CHF 622.80 |
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.