Favorit Multichoice basic insurance with app or telemedicine service

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Benefits included in basic insurance

The various basic insurance models all offer the same benefits. The only difference between the models is the choice of first point of contact for medical questions. The benefits provided under basic insurance include:

Conventional medical treatment and complementary medicine
Hospital stays in the general ward
Emergency transport and search and rescue operations
Treatment abroad in emergencies

All benefits in detail

How the Multichoice model works

Under the Favorit Multichoice model you use SymptomCheck in Benecura, where you will receive a recommendation based on your answers to some questions. Alternatively, you can contact the santé24 online practice (available around the clock) on +41 44 404 86 86 or one of our partner pharmacies.

Rapid initial medical opinion via SymptomCheck in Benecura, the santé24 online practice or one of SWICA's partner pharmacies
If your health problem can’t be resolved in this way, you can choose your doctor from the comprehensive Multichoice directory. The doctor treating you can refer you to any doctor listed in the directory.
No co-payment (does not affect your excess and deductible): For any telemedicine services that santé24 provides (advice, consultations with experts and doctors), as long as basic insurance covers them. Exceptions include: advice and consultations in conjunction with nutrition advice and the psychological/psychiatric counselling service.
You get a discount of between 8% and 19% on your premium (learn more). Use our premium calculator for an easy way to compare premiums for SWICA basic insurance plans and your potential savings: go to premium calculator.

To SWICA's directories

Frequently asked questions about the pharmacy model

In emergencies
Appointments with an eye doctor, gynaecologist or paediatrician if administered by a service provider from the Multichoice directory
Before receiving treatments in connection with consultations as agreed on with a SWICA partner pharmacy or santé24 if administered by a service provider from the Multichoice directory
When getting treatment during a temporary stay abroad

If you're advised by a Medpharm pharmacy without a doctor's prescription, you must pay for the medicine yourself. If the pharmacist gives you advice using the NetCare algorithms, you can request a prescription in a teleconsultation with Medgate. If the Medgate doctor decides to make out a prescription from the specialities list (SL), this will be billed under basic insurance less the annual excess and deductible.

When you switch from the Standard basic insurance plan to the Multichoice plan, SWICA gives you a discount of between 8% and 19% on your premiums. The exact discount depends on where you live, your age and your chosen excess. Below, we have provided an example of how the maximum possible discount is determined under the Multichoice plan:

Maximum discount: Adult aged 26 or over, living in Aarau, excess: CHF 300, no accident cover, standard premium: CHF 578.40, with 19% discount: monthly premium of CHF 468.50.

The Multichoice plan is offered in the following cantons: Aargau, Appenzell Ausserrhoden, Bern, Basel-Landschaft, Basel-Stadt, Geneva, Graubünden, Lucerne, St. Gallen, Schaffhausen, Solothurn, Thurgau, Vaud, Valais and Zurich.

You can see the possible premium discount for you directly in our premium calculator:

Calculate your premium now

You can benefit from attractive premium discounts by choosing an alternative basic insurance model. By increasing the excess you can cut your premiums even further. SWICA also offers family discounts for children and young people.

Discover all the ways to optimise your premium

You can also benefit from lower co-payments if you have also taken out any supplementary insurance with SWICA. SWICA is the only health insurance company that applies co-payments from SWICA basic insurance to SWICA supplementary insurance. This means your maximum annual co-payment is significantly lower than it would be with other health insurers.

More about the combination advantage

Downloads and directories

General Insurance Conditions (GIC) KVG (PDF)

Directory of pharmacies

Directory of doctors

Exclusive services and advantages free to all SWICA customers

Free, 24-hour telemedicine service from santé24 doctors and medical staff
SWICA customer service available 24/7 in Switzerland and abroad
Expert advice on medication, exercise, nutrition, medicinal plants and vaccinations
active4life programme with 100 benefits and discount offers at selected partners

Discover all of the advantages

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Outstanding customer satisfaction

Comparis, bonus.ch, AmPuls and moneyland.ch – in comparisons of health insurers, SWICA outperformed all the major Swiss health insurers to secure first place overall for customer satisfaction. You too can place your trust in SWICA and benefit from the exclusive advantages it offers.

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