FAVORIT MEDICA or FAVORIT SANTE — Region 1, St. Gallen
Region 1, St. Gallen: with SWICA, FAVORIT MEDICA costs CHF 558.60 a month in 2026 and FAVORIT SANTE CHF 484.40, 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 890.40 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 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 558.60 | CHF 484.40 | CHF 890.40 |
| 500 | CHF 546.90 | CHF 472.70 | CHF 890.40 |
| 1'000 | CHF 523.60 | CHF 449.40 | CHF 890.40 |
| 1'500 | CHF 494.40 | CHF 420.20 | CHF 890.40 |
| 2'000 | CHF 465.20 | CHF 385.20 | CHF 960.00 |
| 2'500 | CHF 436.10 | CHF 356.10 | CHF 960.00 |
The comparison, region by region
- FAVORIT MEDICA or FAVORIT SANTE?
- 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
- 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
- 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.