FAVORIT CASA or FAVORIT SANTE — Appenzell Innerrhoden

Appenzell Innerrhoden: with SWICA, FAVORIT CASA costs CHF 391.60 a month in 2026 and FAVORIT SANTE CHF 387.20, 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 52.80 saved per year against FAVORIT CASA, for cover identical under the law. What you pay more or less for is the care pathway.

What you accept in each case

FAVORIT CASA is a "Family doctor" model. FAVORIT SANTE is a "Group practice (HMO)" model.

FAVORIT CASA
Family doctor
You pick a family doctor and always go to them first.
FAVORIT SANTE
Group practice (HMO)
You go to a designated group practice, which coordinates your care.

The price at every deductible

Deductible	FAVORIT CASA	FAVORIT SANTE	Gap per year
300	CHF 391.60	CHF 387.20	CHF 52.80
500	CHF 379.90	CHF 375.50	CHF 52.80
1'000	CHF 355.10	CHF 350.70	CHF 52.80
1'500	CHF 326.00	CHF 321.60	CHF 52.80
2'000	CHF 296.80	CHF 288.00	CHF 105.60
2'500	CHF 267.60	CHF 258.80	CHF 105.60

An alternative model commits you to a care pathway: check the conditions with the insurer before signing. This page gives a price, not advice.

Compare every insurer

Source: Federal Office of Public Health (FOPH), official premiums and territorial coverage areas.

FAVORIT CASA or FAVORIT SANTE — Appenzell Innerrhoden

What you accept in each case

The price at every deductible

The comparison, region by region