FAVORIT MEDICA or FAVORIT MEDPHARM — Region 3, St. Gallen
Region 3, St. Gallen: with SWICA, FAVORIT MEDICA costs CHF 488.60 a month in 2026 and FAVORIT MEDPHARM CHF 446.60, 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 504.00 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 488.60 | CHF 446.60 | CHF 504.00 |
| 500 | CHF 476.90 | CHF 434.90 | CHF 504.00 |
| 1'000 | CHF 452.80 | CHF 410.90 | CHF 502.80 |
| 1'500 | CHF 423.70 | CHF 381.70 | CHF 504.00 |
| 2'000 | CHF 394.50 | CHF 347.40 | CHF 565.20 |
| 2'500 | CHF 365.30 | CHF 318.30 | CHF 564.00 |
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 1
- St. Gallen — Region 2
- 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.