FAVORIT MEDPHARM or FAVORIT TELMED — Appenzell Innerrhoden
Appenzell Innerrhoden: with SWICA, FAVORIT MEDPHARM costs CHF 389.40 a month in 2026 and FAVORIT TELMED CHF 413.60, 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 290.40 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 389.40 | CHF 413.60 | CHF 290.40 |
| 500 | CHF 377.70 | CHF 401.90 | CHF 290.40 |
| 1'000 | CHF 352.90 | CHF 377.10 | CHF 290.40 |
| 1'500 | CHF 323.80 | CHF 348.00 | CHF 290.40 |
| 2'000 | CHF 290.20 | CHF 318.80 | CHF 343.20 |
| 2'500 | CHF 261.00 | CHF 289.60 | CHF 343.20 |
The comparison, region by region
- FAVORIT MEDPHARM or FAVORIT TELMED?
- Aargau
- Appenzell Ausserrhoden
- 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.