FAVORIT BESTCARE or FAVORIT TELMED — Region 3, St. Gallen
Region 3, St. Gallen: with SWICA, FAVORIT BESTCARE costs CHF 442.80 a month in 2026 and FAVORIT TELMED CHF 461.90, 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 229.20 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 442.80 | CHF 461.90 | CHF 229.20 |
| 500 | CHF 431.10 | CHF 450.20 | CHF 229.20 |
| 1'000 | CHF 417.20 | CHF 426.10 | CHF 106.80 |
| 1'500 | CHF 403.30 | CHF 397.00 | CHF 75.60 |
| 2'000 | CHF 389.40 | CHF 367.80 | CHF 259.20 |
| 2'500 | CHF 360.30 | CHF 338.60 | CHF 260.40 |
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.