FAVORIT BESTCARE or FAVORIT MULTICHOICE — Region 3, St. Gallen
Region 3, St. Gallen: with SWICA, FAVORIT BESTCARE costs CHF 442.80 a month in 2026 and FAVORIT MULTICHOICE CHF 442.80, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
Here FAVORIT BESTCARE and FAVORIT MULTICHOICE cost exactly the same. The choice is therefore not about the amount, but about the care pathway you accept.
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 442.80 | CHF 442.80 | — |
| 500 | CHF 431.10 | CHF 431.10 | — |
| 1'000 | CHF 417.20 | CHF 407.00 | CHF 122.40 |
| 1'500 | CHF 403.30 | CHF 377.90 | CHF 304.80 |
| 2'000 | CHF 389.40 | CHF 343.60 | CHF 549.60 |
| 2'500 | CHF 360.30 | CHF 314.50 | CHF 549.60 |
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.