Basic insurance with santé24 or partner practice as first point of contact

With the MULTICHOICE model you get an attractive discount on your premiums and the same benefits as under the STANDARD basic insurance. The only difference is the choice of contact point: under the BESTCARE model, you can call the santé24 telemedicine service on +41 44 404 86 85 or contact a SWICA partner practice. Alternatively you can use the SymptomCheck tool in the BENECURA app.

• In emergencies
• Appointments with ophthalmologists, gynaecologists and paediatricians
• Examinations and treatment by an ophthalmologist or gynaecologist or appointments with a paediatrician
• Before follow-up treatment after consultations already agreed on with sante24 or BESTCARE partner practice
• For treatment during a temporary stay abroad

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

If possible, please always contact the santé24 telemedicine centre first on +41 44 404 86 85, around the clock. The doctors and medical staff at santé24 will be glad to advise you around the clock. In an emergency you can go directly to an emergency centre or hospital.

When you switch from the STANDARD basic insurance plan to the BESTCARE model, SWICA gives you a discount of between 12% and 13% 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 BESTCARE plan:

• Minimum discount: Adult aged 26 or over, living in Dübendorf, excess: CHF 300, no accident cover, standard premium: CHF 514.80, with 12% discount: monthly premium of CHF 453.00.
• Maximum discount: Adult aged 26 or over, living in Herisau, excess: CHF 300, no accident cover, standard premium: CHF 477.80, with 13% discount: monthly premium of CHF 415.70.

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