FAVORIT MULTICHOICE or FAVORIT TELMED — Appenzell Ausserrhoden
Appenzell Ausserrhoden: with SWICA, FAVORIT MULTICHOICE costs CHF 454.60 a month in 2026 and FAVORIT TELMED CHF 486.40, 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 381.60 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 MULTICHOICE is a "Family doctor" model. FAVORIT TELMED is a "Telemedicine and others" model.
- FAVORIT MULTICHOICE
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 MULTICHOICE | FAVORIT TELMED | Gap per year |
|---|---|---|---|
| 300 | CHF 454.60 | CHF 486.40 | CHF 381.60 |
| 500 | CHF 443.00 | CHF 474.70 | CHF 380.40 |
| 1'000 | CHF 419.10 | CHF 450.80 | CHF 380.40 |
| 1'500 | CHF 389.90 | CHF 421.60 | CHF 380.40 |
| 2'000 | CHF 355.50 | CHF 392.50 | CHF 444.00 |
| 2'500 | CHF 326.30 | CHF 363.30 | CHF 444.00 |
The comparison, region by region
- FAVORIT MULTICHOICE or FAVORIT TELMED?
- Aargau
- Bern — Region 1
- Bern — Region 2
- Bern — Region 3
- Basel-Landschaft — Region 1
- Basel-Landschaft — Region 2
- Basel-Stadt
- Geneva
- Grisons — Region 1
- Grisons — Region 2
- Grisons — Region 3
- 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
- Valais — Region 1
- Valais — 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.