FAVORIT BESTCARE or FAVORIT MEDPHARM — Region 3, St. Gallen
Region 3, St. Gallen: with SWICA, FAVORIT BESTCARE costs CHF 442.80 a month in 2026 and FAVORIT MEDPHARM CHF 446.60, 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 45.60 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 442.80 | CHF 446.60 | CHF 45.60 |
| 500 | CHF 431.10 | CHF 434.90 | CHF 45.60 |
| 1'000 | CHF 417.20 | CHF 410.90 | CHF 75.60 |
| 1'500 | CHF 403.30 | CHF 381.70 | CHF 259.20 |
| 2'000 | CHF 389.40 | CHF 347.40 | CHF 504.00 |
| 2'500 | CHF 360.30 | CHF 318.30 | CHF 504.00 |
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.