FAVORIT MEDICA or FAVORIT SANTE — Appenzell Innerrhoden
Appenzell Innerrhoden: with SWICA, FAVORIT MEDICA costs CHF 404.80 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 211.20 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 404.80 | CHF 387.20 | CHF 211.20 |
| 500 | CHF 393.10 | CHF 375.50 | CHF 211.20 |
| 1'000 | CHF 368.30 | CHF 350.70 | CHF 211.20 |
| 1'500 | CHF 339.20 | CHF 321.60 | CHF 211.20 |
| 2'000 | CHF 310.00 | CHF 288.00 | CHF 264.00 |
| 2'500 | CHF 280.80 | CHF 258.80 | CHF 264.00 |
The comparison, region by region
- FAVORIT MEDICA or FAVORIT SANTE?
- Aargau
- 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
- 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.