FAVORIT MEDICA or FAVORIT SANTE — Appenzell Ausserrhoden
Appenzell Ausserrhoden: with SWICA, FAVORIT MEDICA costs CHF 486.40 a month in 2026 and FAVORIT SANTE CHF 459.90, 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 318.00 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 is a "Family doctor" model. FAVORIT SANTE is a "Group practice (HMO)" model.
- FAVORIT MEDICA
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 MEDICA | FAVORIT SANTE | Gap per year |
|---|---|---|---|
| 300 | CHF 486.40 | CHF 459.90 | CHF 318.00 |
| 500 | CHF 474.70 | CHF 448.30 | CHF 316.80 |
| 1'000 | CHF 450.80 | CHF 424.40 | CHF 316.80 |
| 1'500 | CHF 421.60 | CHF 395.20 | CHF 316.80 |
| 2'000 | CHF 392.50 | CHF 360.80 | CHF 380.40 |
| 2'500 | CHF 363.30 | CHF 331.60 | CHF 380.40 |
The comparison, region by region
- FAVORIT MEDICA or FAVORIT SANTE?
- Aargau
- Appenzell Innerrhoden
- 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
- Lucerne — Region 1
- Lucerne — Region 2
- Lucerne — Region 3
- Neuchâtel
- Nidwalden
- Obwalden
- St. Gallen — Region 1
- 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
- Zug
- Zurich — Region 1
- Zurich — Region 2
- Zurich — Region 3
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.