FAVORIT MEDICA or FAVORIT MEDPHARM — Region 1, St. Gallen
Region 1, St. Gallen: with SWICA, FAVORIT MEDICA costs CHF 558.60 a month in 2026 and FAVORIT MEDPHARM CHF 501.90, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
FAVORIT MEDPHARM is the cheaper of the two here: CHF 680.40 saved per year against FAVORIT MEDICA, for cover identical under the law. What you pay more or less for is the care pathway.
What you accept in each case
FAVORIT MEDICA and FAVORIT MEDPHARM are both "Family doctor" models. The exact conditions still differ from one product to the other: ask the insurer before signing.
- FAVORIT MEDICA
Family doctor
You pick a family doctor and always go to them first.
- FAVORIT MEDPHARM
Family doctor
You pick a family doctor and always go to them first.
The price at every deductible
| Deductible | FAVORIT MEDICA | FAVORIT MEDPHARM | Gap per year |
|---|---|---|---|
| 300 | CHF 558.60 | CHF 501.90 | CHF 680.40 |
| 500 | CHF 546.90 | CHF 490.20 | CHF 680.40 |
| 1'000 | CHF 523.60 | CHF 466.80 | CHF 681.60 |
| 1'500 | CHF 494.40 | CHF 437.70 | CHF 680.40 |
| 2'000 | CHF 465.20 | CHF 402.70 | CHF 750.00 |
| 2'500 | CHF 436.10 | CHF 373.50 | CHF 751.20 |
The comparison, region by region
- FAVORIT MEDICA or FAVORIT MEDPHARM?
- Aargau
- Appenzell Innerrhoden
- Appenzell Ausserrhoden
- Bern — Region 1
- Bern — Region 2
- Bern — Region 3
- Basel-Landschaft — Region 1
- Basel-Landschaft — Region 2
- Basel-Stadt
- Fribourg — Region 1
- Fribourg — Region 2
- Geneva
- Glarus
- Grisons — Region 1
- Grisons — Region 2
- Grisons — Region 3
- Jura
- Lucerne — Region 1
- Lucerne — Region 2
- Lucerne — Region 3
- Neuchâtel
- Nidwalden
- Obwalden
- St. Gallen — Region 2
- St. Gallen — Region 3
- Schaffhausen — Region 1
- Schaffhausen — Region 2
- Solothurn
- Schwyz
- Thurgau
- Ticino — Region 1
- Ticino — Region 2
- Uri
- Vaud — Region 1
- Vaud — Region 2
- Valais — Region 1
- Valais — Region 2
- Zug
- Zurich — Region 1
- Zurich — Region 2
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.