SWICA FAVORIT MEDPHARM — Region 3, St. Gallen
Region 3, St. Gallen: the FAVORIT MEDPHARM model from SWICA costs CHF 446.60 a month for an adult with a CHF 300 deductible and accident cover, in 2026. The table below gives the whole grid: every age band, every deductible, with and without accident cover.
At CHF 446.60, FAVORIT MEDPHARM is not the lowest premium here: Agrisano goes down to CHF 401.60. A named model does not guarantee the best price — it guarantees a care pathway.
On average, FAVORIT MEDPHARM costs CHF 747.60 less per year than SWICA's basic insurance in the same place, for exactly the same cover defined by law. In exchange, you accept the model's care pathway.
The full grid
Adult (26 and over)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 446.60 | CHF 415.40 |
| 500 | CHF 434.90 | CHF 404.50 |
| 1'000 | CHF 410.90 | CHF 382.10 |
| 1'500 | CHF 381.70 | CHF 355.00 |
| 2'000 | CHF 347.40 | CHF 323.10 |
| 2'500 | CHF 318.30 | CHF 296.00 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 356.00 | CHF 331.10 |
| 500 | CHF 348.10 | CHF 323.80 |
| 1'000 | CHF 319.00 | CHF 296.60 |
| 1'500 | CHF 289.80 | CHF 269.50 |
| 2'000 | CHF 256.80 | CHF 238.80 |
| 2'500 | CHF 227.70 | CHF 211.70 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 116.40 | CHF 108.30 |
| 200 | CHF 107.20 | CHF 99.70 |
| 400 | CHF 95.60 | CHF 88.90 |
| 600 | CHF 83.90 | CHF 78.00 |
The price, region by region
- 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 1
- St. Gallen — Region 2
- Schaffhausen — Region 1
- Schaffhausen — Region 2
- Solothurn
- Schwyz
- Thurgau
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.