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FAVORIT MEDPHARM or FAVORIT MULTICHOICE — Region 3, St. Gallen

Region 3, St. Gallen: with SWICA, FAVORIT MEDPHARM costs CHF 446.60 a month in 2026 and FAVORIT MULTICHOICE CHF 442.80, 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 45.60 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.

The price at every deductible

DeductibleFAVORIT MEDPHARMFAVORIT MULTICHOICEGap per year
300CHF 446.60CHF 442.80CHF 45.60
500CHF 434.90CHF 431.10CHF 45.60
1'000CHF 410.90CHF 407.00CHF 46.80
1'500CHF 381.70CHF 377.90CHF 45.60
2'000CHF 347.40CHF 343.60CHF 45.60
2'500CHF 318.30CHF 314.50CHF 45.60

The comparison, region by region

An alternative model commits you to a care pathway: check the conditions with the insurer before signing. This page gives a price, not advice.

Compare every insurer

Source: Federal Office of Public Health (FOPH), official premiums and territorial coverage areas.