SWICA FAVORIT SANTE — Region 2, St. Gallen
Region 2, St. Gallen: the FAVORIT SANTE model from SWICA costs CHF 451.40 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 451.40, FAVORIT SANTE 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 SANTE costs CHF 974.40 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 451.40 | CHF 419.80 |
| 500 | CHF 439.80 | CHF 409.00 |
| 1'000 | CHF 415.90 | CHF 386.80 |
| 1'500 | CHF 386.80 | CHF 359.70 |
| 2'000 | CHF 352.30 | CHF 327.60 |
| 2'500 | CHF 323.10 | CHF 300.50 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 354.60 | CHF 329.80 |
| 500 | CHF 342.90 | CHF 318.90 |
| 1'000 | CHF 323.80 | CHF 301.10 |
| 1'500 | CHF 294.60 | CHF 274.00 |
| 2'000 | CHF 257.40 | CHF 239.40 |
| 2'500 | CHF 228.30 | CHF 212.30 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 122.50 | CHF 113.90 |
| 200 | CHF 113.40 | CHF 105.50 |
| 400 | CHF 101.70 | CHF 94.60 |
| 600 | CHF 90.10 | CHF 83.80 |
The price, region by region
- Aargau
- Appenzell Innerrhoden
- Appenzell Ausserrhoden
- 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 3
- Schaffhausen — Region 1
- Schaffhausen — Region 2
- Solothurn
- Schwyz
- Thurgau
- Ticino — Region 1
- Ticino — Region 2
- Uri
- Vaud — Region 1
- Vaud — Region 2
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.