FAVORIT BESTCARE or FAVORIT TELMED — Region 2, St. Gallen
Region 2, St. Gallen: with SWICA, FAVORIT BESTCARE costs CHF 468.70 a month in 2026 and FAVORIT TELMED CHF 483.40, 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 176.40 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 468.70 | CHF 483.40 | CHF 176.40 |
| 500 | CHF 457.10 | CHF 471.70 | CHF 175.20 |
| 1'000 | CHF 443.90 | CHF 447.90 | CHF 48.00 |
| 1'500 | CHF 430.70 | CHF 418.70 | CHF 144.00 |
| 2'000 | CHF 417.50 | CHF 389.50 | CHF 336.00 |
| 2'500 | CHF 388.30 | CHF 360.40 | CHF 334.80 |
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.