FAVORIT BESTCARE or FAVORIT MULTICHOICE — Appenzell Ausserrhoden
Appenzell Ausserrhoden: with SWICA, FAVORIT BESTCARE costs CHF 459.90 a month in 2026 and FAVORIT MULTICHOICE CHF 454.60, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
FAVORIT MULTICHOICE is the cheaper of the two here: CHF 63.60 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 MULTICHOICE is a "Family doctor" model.
- FAVORIT BESTCARE
Group practice (HMO)
You go to a designated group practice, which coordinates your care.
- FAVORIT MULTICHOICE
Family doctor
You pick a family doctor and always go to them first.
The price at every deductible
| Deductible | FAVORIT BESTCARE | FAVORIT MULTICHOICE | Gap per year |
|---|---|---|---|
| 300 | CHF 459.90 | CHF 454.60 | CHF 63.60 |
| 500 | CHF 448.30 | CHF 443.00 | CHF 63.60 |
| 1'000 | CHF 435.00 | CHF 419.10 | CHF 190.80 |
| 1'500 | CHF 421.60 | CHF 389.90 | CHF 380.40 |
| 2'000 | CHF 408.30 | CHF 355.50 | CHF 633.60 |
| 2'500 | CHF 379.20 | CHF 326.30 | CHF 634.80 |
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.