FAVORIT BESTCARE or FAVORIT MULTICHOICE — Region 2, St. Gallen
Region 2, St. Gallen: with SWICA, FAVORIT BESTCARE costs CHF 468.70 a month in 2026 and FAVORIT MULTICHOICE CHF 450.10, 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 223.20 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 468.70 | CHF 450.10 | CHF 223.20 |
| 500 | CHF 457.10 | CHF 438.40 | CHF 224.40 |
| 1'000 | CHF 443.90 | CHF 414.60 | CHF 351.60 |
| 1'500 | CHF 430.70 | CHF 385.40 | CHF 543.60 |
| 2'000 | CHF 417.50 | CHF 350.90 | CHF 799.20 |
| 2'500 | CHF 388.30 | CHF 321.80 | CHF 798.00 |
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.