FAVORIT BESTCARE or FAVORIT SANTE — Region 3, St. Gallen
Region 3, St. Gallen: with SWICA, FAVORIT BESTCARE costs CHF 442.80 a month in 2026 and FAVORIT SANTE CHF 431.30, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
FAVORIT SANTE is the cheaper of the two here: CHF 138.00 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 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 442.80 | CHF 431.30 | CHF 138.00 |
| 500 | CHF 431.10 | CHF 419.70 | CHF 136.80 |
| 1'000 | CHF 417.20 | CHF 395.60 | CHF 259.20 |
| 1'500 | CHF 403.30 | CHF 366.40 | CHF 442.80 |
| 2'000 | CHF 389.40 | CHF 332.20 | CHF 686.40 |
| 2'500 | CHF 360.30 | CHF 303.00 | CHF 687.60 |
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.