FAVORIT MEDICA or FAVORIT TELMED — Region 2, St. Gallen
Region 2, St. Gallen: with SWICA, FAVORIT MEDICA costs CHF 511.30 a month in 2026 and FAVORIT TELMED CHF 483.40, 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 334.80 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 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 511.30 | CHF 483.40 | CHF 334.80 |
| 500 | CHF 499.70 | CHF 471.70 | CHF 336.00 |
| 1'000 | CHF 475.80 | CHF 447.90 | CHF 334.80 |
| 1'500 | CHF 446.70 | CHF 418.70 | CHF 336.00 |
| 2'000 | CHF 417.50 | CHF 389.50 | CHF 336.00 |
| 2'500 | CHF 388.30 | CHF 360.40 | CHF 334.80 |
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 1
- 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.