FAVORIT MEDICA or FAVORIT SANTE — Region 3, St. Gallen
Region 3, St. Gallen: with SWICA, FAVORIT MEDICA costs CHF 488.60 a month in 2026 and FAVORIT SANTE CHF 431.30, 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 687.60 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 488.60 | CHF 431.30 | CHF 687.60 |
| 500 | CHF 476.90 | CHF 419.70 | CHF 686.40 |
| 1'000 | CHF 452.80 | CHF 395.60 | CHF 686.40 |
| 1'500 | CHF 423.70 | CHF 366.40 | CHF 687.60 |
| 2'000 | CHF 394.50 | CHF 332.20 | CHF 747.60 |
| 2'500 | CHF 365.30 | CHF 303.00 | CHF 747.60 |
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 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
- 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.