FAVORIT MEDPHARM or FAVORIT MULTICHOICE — Appenzell Ausserrhoden
Appenzell Ausserrhoden: with SWICA, FAVORIT MEDPHARM costs CHF 467.90 a month in 2026 and FAVORIT MULTICHOICE CHF 454.60, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
FAVORIT MULTICHOICE is the cheaper of the two here: CHF 159.60 saved per year against FAVORIT MEDPHARM, for cover identical under the law. What you pay more or less for is the care pathway.
What you accept in each case
FAVORIT MEDPHARM and FAVORIT MULTICHOICE are both "Family doctor" models. The exact conditions still differ from one product to the other: ask the insurer before signing.
- FAVORIT MEDPHARM
Family doctor
You pick a family doctor and always go to them first.
- FAVORIT MULTICHOICE
Family doctor
You pick a family doctor and always go to them first.
The price at every deductible
| Deductible | FAVORIT MEDPHARM | FAVORIT MULTICHOICE | Gap per year |
|---|---|---|---|
| 300 | CHF 467.90 | CHF 454.60 | CHF 159.60 |
| 500 | CHF 456.20 | CHF 443.00 | CHF 158.40 |
| 1'000 | CHF 432.30 | CHF 419.10 | CHF 158.40 |
| 1'500 | CHF 403.10 | CHF 389.90 | CHF 158.40 |
| 2'000 | CHF 368.70 | CHF 355.50 | CHF 158.40 |
| 2'500 | CHF 339.50 | CHF 326.30 | CHF 158.40 |
The comparison, region by region
- FAVORIT MEDPHARM or FAVORIT MULTICHOICE?
- Aargau
- Bern — Region 1
- Bern — Region 2
- Bern — Region 3
- Basel-Landschaft — Region 1
- Basel-Landschaft — Region 2
- Basel-Stadt
- Geneva
- Grisons — Region 1
- Grisons — Region 2
- Grisons — Region 3
- Lucerne — Region 1
- Lucerne — Region 2
- Lucerne — Region 3
- St. Gallen — Region 1
- St. Gallen — Region 2
- St. Gallen — Region 3
- Schaffhausen — Region 1
- Schaffhausen — Region 2
- Solothurn
- Thurgau
- Vaud — Region 1
- Vaud — Region 2
- Valais — Region 1
- Valais — Region 2
- 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.