Basic insurance pharmacy model

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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 pharmacy model works

Under the Medpharm pharmacy model, you consult one of our partner pharmacies or call the santé24 online practice (available around the clock) on +41 44 404 86 86 for health-related matters.

Possible to get a rapid initial medical opinion without an appointment at a SWICA partner pharmacy or through the santé24 online practice
If our partner pharmacy or santé24 cannot resolve the problem for you, you can choose your doctor from the comprehensive Medpharm directory. Your doctor can refer you to any doctor in the Medpharm 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 19.5% 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

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 pharmacy plan, SWICA gives you a discount of between 8% and 19.5% on your premiums. The exact discount depends on where you live, your age and your chosen excess. Below, we have provided examples of how the minimum and maximum possible discounts are determined under the pharmacy plan:

Minimum discount: Adult aged 26 or over, living in Oberdorf, excess: CHF 300, no accident cover, standard premium: CHF 444.50, with 8% discount: monthly premium of CHF 404.50.
Maximum discount: Adult aged 26 or over, living in Lausanne, excess: CHF 300, no accident cover, standard premium: CHF 676.20, with 19.5% discount: monthly premium of CHF 544.30.

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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