SWICA FAVORIT MULTICHOICE — Region 1, St. Gallen
Region 1, St. Gallen: the FAVORIT MULTICHOICE model from SWICA costs CHF 482.90 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 482.90, FAVORIT MULTICHOICE is not the lowest premium here: Sanitas goes down to CHF 479.65. A named model does not guarantee the best price — it guarantees a care pathway.
On average, FAVORIT MULTICHOICE costs CHF 1'186.80 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 482.90 | CHF 449.10 |
| 500 | CHF 471.30 | CHF 438.30 |
| 1'000 | CHF 447.90 | CHF 416.60 |
| 1'500 | CHF 418.80 | CHF 389.50 |
| 2'000 | CHF 383.80 | CHF 356.90 |
| 2'500 | CHF 354.60 | CHF 329.80 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 371.00 | CHF 345.00 |
| 500 | CHF 359.30 | CHF 334.20 |
| 1'000 | CHF 334.50 | CHF 311.10 |
| 1'500 | CHF 305.40 | CHF 284.00 |
| 2'000 | CHF 271.80 | CHF 252.80 |
| 2'500 | CHF 242.70 | CHF 225.70 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 123.00 | CHF 114.40 |
| 200 | CHF 114.10 | CHF 106.10 |
| 400 | CHF 102.40 | CHF 95.30 |
| 600 | CHF 90.80 | CHF 84.40 |
The price, region by region
- 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 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.