FAVORIT BESTCARE or FAVORIT TELMED — Appenzell Ausserrhoden
Appenzell Ausserrhoden: with SWICA, FAVORIT BESTCARE costs CHF 459.90 a month in 2026 and FAVORIT TELMED CHF 486.40, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
FAVORIT BESTCARE is the cheaper of the two here: CHF 318.00 saved per year against FAVORIT TELMED, 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 TELMED is a "Telemedicine and others" model.
- FAVORIT BESTCARE
Group practice (HMO)
You go to a designated group practice, which coordinates your care.
- FAVORIT TELMED
Telemedicine and others
You call a medical service before any consultation, or follow another pathway set by the insurer.
The price at every deductible
| Deductible | FAVORIT BESTCARE | FAVORIT TELMED | Gap per year |
|---|---|---|---|
| 300 | CHF 459.90 | CHF 486.40 | CHF 318.00 |
| 500 | CHF 448.30 | CHF 474.70 | CHF 316.80 |
| 1'000 | CHF 435.00 | CHF 450.80 | CHF 189.60 |
| 1'500 | CHF 421.60 | CHF 421.60 | — |
| 2'000 | CHF 408.30 | CHF 392.50 | CHF 189.60 |
| 2'500 | CHF 379.20 | CHF 363.30 | CHF 190.80 |
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.