SWICA FAVORIT MULTICHOICE — Region 3, St. Gallen
Region 3, St. Gallen: the FAVORIT MULTICHOICE model from SWICA costs CHF 442.80 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 442.80, FAVORIT MULTICHOICE is not the lowest premium here: Agrisano goes down to CHF 401.60. A named model does not guarantee the best price — it guarantees a care pathway.
On average, FAVORIT MULTICHOICE costs CHF 793.20 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 442.80 | CHF 411.80 |
| 500 | CHF 431.10 | CHF 401.00 |
| 1'000 | CHF 407.00 | CHF 378.60 |
| 1'500 | CHF 377.90 | CHF 351.40 |
| 2'000 | CHF 343.60 | CHF 319.60 |
| 2'500 | CHF 314.50 | CHF 292.50 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 339.80 | CHF 316.00 |
| 500 | CHF 328.10 | CHF 305.10 |
| 1'000 | CHF 302.70 | CHF 281.60 |
| 1'500 | CHF 273.60 | CHF 254.40 |
| 2'000 | CHF 240.60 | CHF 223.80 |
| 2'500 | CHF 211.40 | CHF 196.60 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 112.50 | CHF 104.60 |
| 200 | CHF 103.30 | CHF 96.00 |
| 400 | CHF 91.60 | CHF 85.20 |
| 600 | CHF 79.90 | CHF 74.30 |
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 2
- 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.