FAVORIT MEDPHARM or FAVORIT SANTE — Appenzell Ausserrhoden
Appenzell Ausserrhoden: with SWICA, FAVORIT MEDPHARM costs CHF 467.90 a month in 2026 and FAVORIT SANTE CHF 459.90, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
FAVORIT SANTE is the cheaper of the two here: CHF 96.00 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 is a "Family doctor" model. FAVORIT SANTE is a "Group practice (HMO)" model.
- FAVORIT MEDPHARM
Family doctor
You pick a family doctor and always go to them first.
- FAVORIT SANTE
Group practice (HMO)
You go to a designated group practice, which coordinates your care.
The price at every deductible
| Deductible | FAVORIT MEDPHARM | FAVORIT SANTE | Gap per year |
|---|---|---|---|
| 300 | CHF 467.90 | CHF 459.90 | CHF 96.00 |
| 500 | CHF 456.20 | CHF 448.30 | CHF 94.80 |
| 1'000 | CHF 432.30 | CHF 424.40 | CHF 94.80 |
| 1'500 | CHF 403.10 | CHF 395.20 | CHF 94.80 |
| 2'000 | CHF 368.70 | CHF 360.80 | CHF 94.80 |
| 2'500 | CHF 339.50 | CHF 331.60 | CHF 94.80 |
The comparison, region by region
- FAVORIT MEDPHARM or FAVORIT SANTE?
- 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
- 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
- Ticino — Region 1
- Ticino — Region 2
- Uri
- Vaud — Region 1
- Vaud — Region 2
- Zug
- 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.