SWICA FAVORIT MULTICHOICE — Appenzell Ausserrhoden
Appenzell Ausserrhoden: the FAVORIT MULTICHOICE model from SWICA costs CHF 454.60 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 454.60, FAVORIT MULTICHOICE is not the lowest premium here: Agrisano goes down to CHF 412.30. A named model does not guarantee the best price — it guarantees a care pathway.
On average, FAVORIT MULTICHOICE costs CHF 888.00 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 454.60 | CHF 422.80 |
| 500 | CHF 443.00 | CHF 412.00 |
| 1'000 | CHF 419.10 | CHF 389.80 |
| 1'500 | CHF 389.90 | CHF 362.60 |
| 2'000 | CHF 355.50 | CHF 330.60 |
| 2'500 | CHF 326.30 | CHF 303.50 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 349.00 | CHF 324.50 |
| 500 | CHF 337.30 | CHF 313.70 |
| 1'000 | CHF 312.10 | CHF 290.30 |
| 1'500 | CHF 282.90 | CHF 263.10 |
| 2'000 | CHF 249.80 | CHF 232.30 |
| 2'500 | CHF 220.60 | CHF 205.20 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 115.50 | CHF 107.40 |
| 200 | CHF 106.40 | CHF 99.00 |
| 400 | CHF 94.70 | CHF 88.10 |
| 600 | CHF 83.10 | CHF 77.30 |
The price, region by region
- 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.