FAVORIT MEDICA or FAVORIT TELMED — Region 3, St. Gallen
Region 3, St. Gallen: with SWICA, FAVORIT MEDICA costs CHF 488.60 a month in 2026 and FAVORIT TELMED CHF 461.90, 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 320.40 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 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 488.60 | CHF 461.90 | CHF 320.40 |
| 500 | CHF 476.90 | CHF 450.20 | CHF 320.40 |
| 1'000 | CHF 452.80 | CHF 426.10 | CHF 320.40 |
| 1'500 | CHF 423.70 | CHF 397.00 | CHF 320.40 |
| 2'000 | CHF 394.50 | CHF 367.80 | CHF 320.40 |
| 2'500 | CHF 365.30 | CHF 338.60 | CHF 320.40 |
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 2
- 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.