Favorit Bestcare basic insurance with telemedicine or partner practice

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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 Bestcare model works

Under the Favorit Bestcare model, you contact the santé24 online practice (available around the clock) on +41 44 404 86 85 or a Bestcare partner practice first. Or you can use SymptomCheck in the Benecura app, where you will receive a recommendation based on your answers to some questions.

Rapid medical opinion via the santé24 online practice, a Bestcare partner practice or SymptomCheck in the Benecura app.
If your health problem can’t be fully resolved in this way, santé24 or your doctor at the Bestcare partner practice will refer you to a specialist.
Customers insured under Bestcare are provided with a TytoHome device free of charge, which can be used by santé24 during consultations.
The Compassana app is used to manage the exchange of data between Bestcare service providers to ensure integrated care.
Your deductible is reduced by 50% (adults: 350 francs, children: 175 francs)
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 1% and 13% 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 directory of doctors

Frequently asked questions about the pharmacy model

The Compassana app is a simple, secure and convenient way to manage your healthcare. Once you have registered free of charge, you can view your personal treatment plan and primary medical contacts for health-related questions, depending on your basic insurance model. The app also offers a range of other functions such as uploading important medical documents, sending encrypted messages to healthcare professionals and booking appointments.

More about the Compassana app

When you switch from the Standard basic insurance plan to the Bestcare model, SWICA gives you a discount of between 1% and 13% 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 Bestcare plan:

Maximum discount: Adult aged 26 or over, living in St. Gallen, excess: CHF 300, no accident cover, standard premium: CHF 541.10, with 13% discount: monthly premium of CHF 470.80.

The Bestcare plan is only offered in the following cantons: Appenzell Ausserrhoden, St. Gallen, Thurgau, Vaud 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)

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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