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FAVORIT MEDPHARM or FAVORIT SANTE — Obwalden

Obwalden: with SWICA, FAVORIT MEDPHARM costs CHF 442.60 a month in 2026 and FAVORIT SANTE CHF 420.70, 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 262.80 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

DeductibleFAVORIT MEDPHARMFAVORIT SANTEGap per year
300CHF 442.60CHF 420.70CHF 262.80
500CHF 430.90CHF 409.00CHF 262.80
1'000CHF 406.60CHF 384.70CHF 262.80
1'500CHF 377.40CHF 355.60CHF 261.60
2'000CHF 343.40CHF 321.50CHF 262.80
2'500CHF 314.20CHF 292.40CHF 261.60

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.