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FAVORIT MEDICA or FAVORIT SANTE — Region 2, St. Gallen

Region 2, St. Gallen: with SWICA, FAVORIT MEDICA costs CHF 511.30 a month in 2026 and FAVORIT SANTE CHF 451.40, 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 718.80 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

DeductibleFAVORIT MEDICAFAVORIT SANTEGap per year
300CHF 511.30CHF 451.40CHF 718.80
500CHF 499.70CHF 439.80CHF 718.80
1'000CHF 475.80CHF 415.90CHF 718.80
1'500CHF 446.70CHF 386.80CHF 718.80
2'000CHF 417.50CHF 352.30CHF 782.40
2'500CHF 388.30CHF 323.10CHF 782.40

The comparison, region by region

An alternative model commits you to a care pathway: check the conditions with the insurer before signing. This page gives a price, not advice.

Compare every insurer

Source: Federal Office of Public Health (FOPH), official premiums and territorial coverage areas.