FAVORIT MEDPHARM or FAVORIT TELMED — Appenzell Ausserrhoden
Appenzell Ausserrhoden: with SWICA, FAVORIT MEDPHARM costs CHF 467.90 a month in 2026 and FAVORIT TELMED CHF 486.40, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
FAVORIT MEDPHARM is the cheaper of the two here: CHF 222.00 saved per year against FAVORIT TELMED, 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 TELMED is a "Telemedicine and others" model.
- FAVORIT MEDPHARM
Family doctor
You pick a family doctor and always go to them first.
- FAVORIT TELMED
Telemedicine and others
You call a medical service before any consultation, or follow another pathway set by the insurer.
The price at every deductible
| Deductible | FAVORIT MEDPHARM | FAVORIT TELMED | Gap per year |
|---|---|---|---|
| 300 | CHF 467.90 | CHF 486.40 | CHF 222.00 |
| 500 | CHF 456.20 | CHF 474.70 | CHF 222.00 |
| 1'000 | CHF 432.30 | CHF 450.80 | CHF 222.00 |
| 1'500 | CHF 403.10 | CHF 421.60 | CHF 222.00 |
| 2'000 | CHF 368.70 | CHF 392.50 | CHF 285.60 |
| 2'500 | CHF 339.50 | CHF 363.30 | CHF 285.60 |
The comparison, region by region
- FAVORIT MEDPHARM or FAVORIT TELMED?
- 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
- Glarus
- Grisons — Region 1
- Grisons — Region 2
- Grisons — Region 3
- Jura
- 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
- Valais — Region 1
- Valais — Region 2
- Zug
- Zurich — Region 1
- Zurich — Region 2
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.