FAVORIT SANTE or FAVORIT TELMED — Appenzell Ausserrhoden
Appenzell Ausserrhoden: with SWICA, FAVORIT SANTE costs CHF 459.90 a month in 2026 and FAVORIT TELMED CHF 486.40, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
FAVORIT SANTE is the cheaper of the two here: CHF 318.00 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 SANTE is a "Group practice (HMO)" model. FAVORIT TELMED is a "Telemedicine and others" model.
- FAVORIT SANTE
Group practice (HMO)
You go to a designated group practice, which coordinates your care.
- 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 SANTE | FAVORIT TELMED | Gap per year |
|---|---|---|---|
| 300 | CHF 459.90 | CHF 486.40 | CHF 318.00 |
| 500 | CHF 448.30 | CHF 474.70 | CHF 316.80 |
| 1'000 | CHF 424.40 | CHF 450.80 | CHF 316.80 |
| 1'500 | CHF 395.20 | CHF 421.60 | CHF 316.80 |
| 2'000 | CHF 360.80 | CHF 392.50 | CHF 380.40 |
| 2'500 | CHF 331.60 | CHF 363.30 | CHF 380.40 |
The comparison, region by region
- FAVORIT SANTE or FAVORIT TELMED?
- Aargau
- Appenzell Innerrhoden
- Bern — Region 1
- Bern — Region 2
- Bern — Region 3
- Basel-Landschaft — Region 1
- Basel-Landschaft — Region 2
- Basel-Stadt
- Fribourg — Region 1
- Fribourg — Region 2
- Geneva
- Lucerne — Region 1
- Lucerne — Region 2
- Lucerne — Region 3
- Neuchâtel
- Nidwalden
- Obwalden
- St. Gallen — Region 1
- St. Gallen — Region 2
- St. Gallen — Region 3
- Schaffhausen — Region 1
- Schaffhausen — Region 2
- Solothurn
- Schwyz
- Thurgau
- Ticino — Region 1
- Ticino — Region 2
- Uri
- Vaud — Region 1
- Vaud — Region 2
- Zug
- 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.