FAVORIT MEDPHARM or FAVORIT MULTICHOICE — Region 1, St. Gallen
Region 1, St. Gallen: with SWICA, FAVORIT MEDPHARM costs CHF 501.90 a month in 2026 and FAVORIT MULTICHOICE CHF 482.90, 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 228.00 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 501.90 | CHF 482.90 | CHF 228.00 |
| 500 | CHF 490.20 | CHF 471.30 | CHF 226.80 |
| 1'000 | CHF 466.80 | CHF 447.90 | CHF 226.80 |
| 1'500 | CHF 437.70 | CHF 418.80 | CHF 226.80 |
| 2'000 | CHF 402.70 | CHF 383.80 | CHF 226.80 |
| 2'500 | CHF 373.50 | CHF 354.60 | CHF 226.80 |
The comparison, region by region
- FAVORIT MEDPHARM or FAVORIT MULTICHOICE?
- Aargau
- Appenzell Ausserrhoden
- 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 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.