SWICA FAVORIT SANTE — Region 3, St. Gallen
Region 3, St. Gallen: the FAVORIT SANTE model from SWICA costs CHF 431.30 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 431.30, FAVORIT SANTE 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 SANTE costs CHF 931.20 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 431.30 | CHF 401.20 |
| 500 | CHF 419.70 | CHF 390.30 |
| 1'000 | CHF 395.60 | CHF 367.90 |
| 1'500 | CHF 366.40 | CHF 340.80 |
| 2'000 | CHF 332.20 | CHF 308.90 |
| 2'500 | CHF 303.00 | CHF 281.80 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 338.80 | CHF 315.10 |
| 500 | CHF 327.10 | CHF 304.20 |
| 1'000 | CHF 307.50 | CHF 286.00 |
| 1'500 | CHF 278.40 | CHF 258.90 |
| 2'000 | CHF 241.60 | CHF 224.60 |
| 2'500 | CHF 212.40 | CHF 197.50 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 117.10 | CHF 108.90 |
| 200 | CHF 107.80 | CHF 100.30 |
| 400 | CHF 96.20 | CHF 89.40 |
| 600 | CHF 84.50 | CHF 78.60 |
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 2
- 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.