SWICA FAVORIT MEDICA — Appenzell Ausserrhoden
Appenzell Ausserrhoden: the FAVORIT MEDICA model from SWICA costs CHF 486.40 a month for an adult with a CHF 300 deductible and accident cover, in 2026. The table below gives the whole grid: every age band, every deductible, with and without accident cover.
At CHF 486.40, FAVORIT MEDICA is not the lowest premium here: Agrisano goes down to CHF 412.30. A named model does not guarantee the best price — it guarantees a care pathway.
On average, FAVORIT MEDICA costs CHF 506.40 less per year than SWICA's basic insurance in the same place, for exactly the same cover defined by law. In exchange, you accept the model's care pathway.
The full grid
Adult (26 and over)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 486.40 | CHF 452.30 |
| 500 | CHF 474.70 | CHF 441.50 |
| 1'000 | CHF 450.80 | CHF 419.30 |
| 1'500 | CHF 421.60 | CHF 392.10 |
| 2'000 | CHF 392.50 | CHF 365.00 |
| 2'500 | CHF 363.30 | CHF 337.90 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 384.70 | CHF 357.70 |
| 500 | CHF 373.00 | CHF 346.90 |
| 1'000 | CHF 343.80 | CHF 319.80 |
| 1'500 | CHF 316.60 | CHF 294.50 |
| 2'000 | CHF 289.50 | CHF 269.20 |
| 2'500 | CHF 264.30 | CHF 245.80 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 126.90 | CHF 118.10 |
| 200 | CHF 115.30 | CHF 107.20 |
| 400 | CHF 103.60 | CHF 96.40 |
| 600 | CHF 91.90 | CHF 85.50 |
The price, region by region
- Aargau
- Appenzell Innerrhoden
- 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
- St. Gallen — Region 3
- Schaffhausen — Region 1
- Schaffhausen — Region 2
- Solothurn
- Schwyz
- Thurgau
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.