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Favorit Bestcare Basic insurance: santé24 or partner practice as first point of contact

With this SWICA basic insurance plan, the online medical practice santé24 or a Bestcare partner practice is your first point of contact for all health-related questions. Discover all the details now.

Product highlights

Attractive discounts on insurance premiums
Free, round-the-clock telemedicine advice from doctors and medical professionals at the santé24 online practice
Choice of various points of contact for medical issues

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 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.. Use our premium calculator for an easy way to compare premiums for SWICA basic insurance plans and your potential savings: go to premium calculator.

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Grafik_105_e_Favorit_Bestcare — Your points of contact with SWICA Favorit Bestcare basic insurance

Your basic insurance premium under the Bestcare model

Your premium is calculated based on your age, place of residence and chosen excess. Calculate your premium now and take out health insurance online – it’s quick and easy.

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Downloads and directories

Overview of benefits – all offers

Favorit Bestcare information

Supplementary conditions Favorit Bestcare

General Insurance Conditions (GIC) KVG

Smart savings with a combination of SWICA basic and supplementary insurance

SWICA is the only health insurer that offsets the cost-sharing from its basic insurance against the cost-sharing of its SWICA supplementary insurance plans. As a result, the maximum annual out-of-pocket contribution is generally lower than with other health insurers. Learn more.

Enhance your basic insurance model

With SWICA’s range of supplementary insurance plans, you can extend the protection provided by your basic insurance. Benefit from greater comfort, more privacy and free choice of hospital, as well as attractive contributions towards sports activities, glasses and your personal well-being.

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Hospitalisation insurance, for more peace of mind if the worst happens

Find out how to get the best cover and care with hospitalisation insurance from SWICA.

Compare hospital insurance plans

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Overview

Complementary medicine, fitness, vaccinations, dental health, glasses, hospitalisation insurance and more: with supplementary insurance from SWICA you can extend your cover to suit your individual needs and receive generous contributions towards health promotion and preventive healthcare.

Go to the supplementary insurance plans

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Optimise & Save

Choose an alternative model for your basic insurance or benefit from lower co-payments with SWICA supplementary insurance. Discover more attractive options for optimising your premium.

Find out more

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More benefits for our customers: discounted offers from partner organisations

Numerous destinations and offers are waiting to be discovered. Thanks to around 100 active4life benefit offers, SWICA policyholders enjoy attractive discounts from selected partners in the areas of leisure, nutrition, health, sport and wellness.

Discover all the details now.

Frequently asked questions about SWICA Favorit Bestcare

This is where you will find answers to frequently asked questions about SWICA’s Bestcare basic insurance model.

Yes, you can do this in the following cases:

In an emergency
For appointments with ophthalmologists, gynaecologists and paediatricians, provided they are service providers listed in the Multichoice directory
Before follow-up treatment in connection with consultations already agreed with a SWICA partner pharmacy or santé24, provided this is carried out by service providers in the Multichoice directory
For treatment during a temporary stay abroad

The Compassana app offers you a simple and secure way to support and manage your health. After registering for free, it shows you your personal treatment pathway and first point of contact for medical and health issues based on your basic insurance model. The Compassana app also allows you to upload health documents securely, send encrypted messages to healthcare professionals and book treatment appointments.

Read more about the Compassana app.

If you switch from the standard basic insurance model to the Bestcare model, SWICA will give you a premium discount of between 1% and 13%. Your exact saving depends on your place of residence, your age and your chosen excess.

The following example illustrates the maximum possible premium discount with the Bestcare model:

Maximum premium discount: Adult aged 26 or over, lives in St. Gallen, excess: 300 francs, no accident cover, standard premium 541.10 francs, with 13% discount: premium 470.80 francs per month.

The Bestcare model is only available in the following cantons: Appenzell Ausserrhoden, St. Gallen, Thurgau, Vaud and Zurich.

Use the calculator to discover your potential premium discount now.

Calculate your premium now

You can get attractive premium discounts with an alternative basic insurance model such as SWICA Favorit Casa. You can cut your premium further by increasing your excess. SWICA also offers family discounts for children and young people along with other ways to optimise your premium.

In addition, you can benefit from lower co-payments if you have also taken out any supplementary insurance policies with SWICA. SWICA is the only health insurer that applies co-payments from basic insurance to those of its supplementary insurance, making your maximum annual co-payment significantly lower than with other health insurers.