FAVORIT MULTICHOICE or FAVORIT SANTE — Appenzell Ausserrhoden
Appenzell Ausserrhoden: with SWICA, FAVORIT MULTICHOICE costs CHF 454.60 a month in 2026 and FAVORIT SANTE CHF 459.90, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
FAVORIT MULTICHOICE is the cheaper of the two here: CHF 63.60 saved per year against FAVORIT SANTE, for cover identical under the law. What you pay more or less for is the care pathway.
What you accept in each case
FAVORIT MULTICHOICE is a "Family doctor" model. FAVORIT SANTE is a "Group practice (HMO)" model.
- FAVORIT MULTICHOICE
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
| Deductible | FAVORIT MULTICHOICE | FAVORIT SANTE | Gap per year |
|---|---|---|---|
| 300 | CHF 454.60 | CHF 459.90 | CHF 63.60 |
| 500 | CHF 443.00 | CHF 448.30 | CHF 63.60 |
| 1'000 | CHF 419.10 | CHF 424.40 | CHF 63.60 |
| 1'500 | CHF 389.90 | CHF 395.20 | CHF 63.60 |
| 2'000 | CHF 355.50 | CHF 360.80 | CHF 63.60 |
| 2'500 | CHF 326.30 | CHF 331.60 | CHF 63.60 |
The comparison, region by region
- FAVORIT MULTICHOICE or FAVORIT SANTE?
- Aargau
- Bern — Region 1
- Bern — Region 2
- Bern — Region 3
- Basel-Landschaft — Region 1
- Basel-Landschaft — Region 2
- Basel-Stadt
- Geneva
- Lucerne — Region 1
- Lucerne — Region 2
- Lucerne — Region 3
- St. Gallen — Region 1
- St. Gallen — Region 2
- St. Gallen — Region 3
- Schaffhausen — Region 1
- Schaffhausen — Region 2
- Solothurn
- Thurgau
- Vaud — Region 1
- Vaud — Region 2
- Zurich — Region 1
- Zurich — Region 2
- Zurich — Region 3
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.