FAVORIT MEDPHARM or FAVORIT MULTICHOICE — Region 2, St. Gallen
Region 2, St. Gallen: with SWICA, FAVORIT MEDPHARM costs CHF 464.70 a month in 2026 and FAVORIT MULTICHOICE CHF 450.10, 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 175.20 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 464.70 | CHF 450.10 | CHF 175.20 |
| 500 | CHF 453.10 | CHF 438.40 | CHF 176.40 |
| 1'000 | CHF 429.20 | CHF 414.60 | CHF 175.20 |
| 1'500 | CHF 400.10 | CHF 385.40 | CHF 176.40 |
| 2'000 | CHF 365.60 | CHF 350.90 | CHF 176.40 |
| 2'500 | CHF 336.40 | CHF 321.80 | CHF 175.20 |
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 1
- 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.