FAVORIT MEDICA or FAVORIT TELMED — Region 1, St. Gallen
Region 1, St. Gallen: with SWICA, FAVORIT MEDICA costs CHF 558.60 a month in 2026 and FAVORIT TELMED CHF 528.00, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
FAVORIT TELMED is the cheaper of the two here: CHF 367.20 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 TELMED is a "Telemedicine and others" model.
- FAVORIT MEDICA
Family doctor
You pick a family doctor and always go to them first.
- FAVORIT TELMED
Telemedicine and others
You call a medical service before any consultation, or follow another pathway set by the insurer.
The price at every deductible
| Deductible | FAVORIT MEDICA | FAVORIT TELMED | Gap per year |
|---|---|---|---|
| 300 | CHF 558.60 | CHF 528.00 | CHF 367.20 |
| 500 | CHF 546.90 | CHF 516.40 | CHF 366.00 |
| 1'000 | CHF 523.60 | CHF 493.00 | CHF 367.20 |
| 1'500 | CHF 494.40 | CHF 463.90 | CHF 366.00 |
| 2'000 | CHF 465.20 | CHF 434.70 | CHF 366.00 |
| 2'500 | CHF 436.10 | CHF 405.50 | CHF 367.20 |
The comparison, region by region
- FAVORIT MEDICA or FAVORIT TELMED?
- 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
- Glarus
- Grisons — Region 1
- Grisons — Region 2
- Grisons — Region 3
- Jura
- 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
- Valais — Region 1
- Valais — Region 2
- Zug
- Zurich — Region 1
- Zurich — Region 2
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.