FAVORIT BESTCARE or FAVORIT SANTE — Appenzell Ausserrhoden
Appenzell Ausserrhoden: with SWICA, FAVORIT BESTCARE costs CHF 459.90 a month in 2026 and FAVORIT SANTE CHF 459.90, 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 SANTE 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 and FAVORIT SANTE are both "Group practice (HMO)" models. The exact conditions still differ from one product to the other: ask the insurer before signing.
- FAVORIT BESTCARE
Group practice (HMO)
You go to a designated group practice, which coordinates your care.
- FAVORIT SANTE
Group practice (HMO)
You go to a designated group practice, which coordinates your care.
The price at every deductible
| Deductible | FAVORIT BESTCARE | FAVORIT SANTE | Gap per year |
|---|---|---|---|
| 300 | CHF 459.90 | CHF 459.90 | — |
| 500 | CHF 448.30 | CHF 448.30 | — |
| 1'000 | CHF 435.00 | CHF 424.40 | CHF 127.20 |
| 1'500 | CHF 421.60 | CHF 395.20 | CHF 316.80 |
| 2'000 | CHF 408.30 | CHF 360.80 | CHF 570.00 |
| 2'500 | CHF 379.20 | CHF 331.60 | CHF 571.20 |
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.