SWICA FAVORIT BESTCARE — Appenzell Ausserrhoden
Appenzell Ausserrhoden: the FAVORIT BESTCARE model from SWICA costs CHF 459.90 a month for an adult with a CHF 300 deductible and accident cover, in 2026. The table below gives the whole grid: every age band, every deductible, with and without accident cover.
At CHF 459.90, FAVORIT BESTCARE is not the lowest premium here: Agrisano goes down to CHF 412.30. A named model does not guarantee the best price — it guarantees a care pathway.
On average, FAVORIT BESTCARE costs CHF 824.40 less per year than SWICA's basic insurance in the same place, for exactly the same cover defined by law. In exchange, you accept the model's care pathway.
The full grid
Adult (26 and over)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 459.90 | CHF 427.70 |
| 500 | CHF 448.30 | CHF 416.90 |
| 1'000 | CHF 435.00 | CHF 404.50 |
| 1'500 | CHF 421.60 | CHF 392.10 |
| 2'000 | CHF 408.30 | CHF 379.80 |
| 2'500 | CHF 379.20 | CHF 352.60 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 356.90 | CHF 331.90 |
| 500 | CHF 345.20 | CHF 321.10 |
| 1'000 | CHF 331.90 | CHF 308.70 |
| 1'500 | CHF 314.70 | CHF 292.60 |
| 2'000 | CHF 297.40 | CHF 276.60 |
| 2'500 | CHF 268.20 | CHF 249.40 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 123.10 | CHF 114.50 |
| 200 | CHF 114.00 | CHF 106.00 |
| 400 | CHF 103.60 | CHF 96.40 |
| 600 | CHF 91.90 | CHF 85.50 |
The price, 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.