SWICA FAVORIT MULTICHOICE — Region 2, St. Gallen
Region 2, St. Gallen: the FAVORIT MULTICHOICE model from SWICA costs CHF 450.10 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 450.10, FAVORIT MULTICHOICE is not the lowest premium here: Agrisano goes down to CHF 419.60. A named model does not guarantee the best price — it guarantees a care pathway.
On average, FAVORIT MULTICHOICE costs CHF 990.00 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 450.10 | CHF 418.60 |
| 500 | CHF 438.40 | CHF 407.70 |
| 1'000 | CHF 414.60 | CHF 385.60 |
| 1'500 | CHF 385.40 | CHF 358.40 |
| 2'000 | CHF 350.90 | CHF 326.40 |
| 2'500 | CHF 321.80 | CHF 299.20 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 345.60 | CHF 321.40 |
| 500 | CHF 334.00 | CHF 310.60 |
| 1'000 | CHF 308.80 | CHF 287.20 |
| 1'500 | CHF 279.60 | CHF 260.00 |
| 2'000 | CHF 246.50 | CHF 229.20 |
| 2'500 | CHF 217.30 | CHF 202.10 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 114.50 | CHF 106.50 |
| 200 | CHF 105.40 | CHF 98.00 |
| 400 | CHF 93.70 | CHF 87.20 |
| 600 | CHF 82.10 | CHF 76.30 |
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 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.