FAVORIT MULTICHOICE or FAVORIT SANTE — Region 2, St. Gallen
Region 2, St. Gallen: with SWICA, FAVORIT MULTICHOICE costs CHF 450.10 a month in 2026 and FAVORIT SANTE CHF 451.40, 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 15.60 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 450.10 | CHF 451.40 | CHF 15.60 |
| 500 | CHF 438.40 | CHF 439.80 | CHF 16.80 |
| 1'000 | CHF 414.60 | CHF 415.90 | CHF 15.60 |
| 1'500 | CHF 385.40 | CHF 386.80 | CHF 16.80 |
| 2'000 | CHF 350.90 | CHF 352.30 | CHF 16.80 |
| 2'500 | CHF 321.80 | CHF 323.10 | CHF 15.60 |
The comparison, region by region
- FAVORIT MULTICHOICE or FAVORIT SANTE?
- Aargau
- Appenzell Ausserrhoden
- 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 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.