FAVORIT MEDPHARM or FAVORIT TELMED — Region 1, St. Gallen
Region 1, St. Gallen: with SWICA, FAVORIT MEDPHARM costs CHF 501.90 a month in 2026 and FAVORIT TELMED CHF 528.00, 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 313.20 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 501.90 | CHF 528.00 | CHF 313.20 |
| 500 | CHF 490.20 | CHF 516.40 | CHF 314.40 |
| 1'000 | CHF 466.80 | CHF 493.00 | CHF 314.40 |
| 1'500 | CHF 437.70 | CHF 463.90 | CHF 314.40 |
| 2'000 | CHF 402.70 | CHF 434.70 | CHF 384.00 |
| 2'500 | CHF 373.50 | CHF 405.50 | CHF 384.00 |
The comparison, region by region
- FAVORIT MEDPHARM or FAVORIT TELMED?
- Aargau
- Appenzell Innerrhoden
- 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 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.