FAVORIT MULTICHOICE or FAVORIT TELMED — Region 2, St. Gallen
Region 2, St. Gallen: with SWICA, FAVORIT MULTICHOICE costs CHF 450.10 a month in 2026 and FAVORIT TELMED CHF 483.40, 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 399.60 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 450.10 | CHF 483.40 | CHF 399.60 |
| 500 | CHF 438.40 | CHF 471.70 | CHF 399.60 |
| 1'000 | CHF 414.60 | CHF 447.90 | CHF 399.60 |
| 1'500 | CHF 385.40 | CHF 418.70 | CHF 399.60 |
| 2'000 | CHF 350.90 | CHF 389.50 | CHF 463.20 |
| 2'500 | CHF 321.80 | CHF 360.40 | CHF 463.20 |
The comparison, region by region
- FAVORIT MULTICHOICE or FAVORIT TELMED?
- Aargau
- Appenzell Ausserrhoden
- 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 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.