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

With BESTCARE basic insurance, your point of contact for all health-related matters is the santé24 telemedicine service or the SWICA partner practice. Integrated care means you benefit from a joined-up system where various points of contact coordinate with one another.

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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 telemedicine service (available around the clock) on +41 44 404 86 85 or a SWICA 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 telemedicine service, a SWICA partner practice or the SymptomCheck tool 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)

To SWICA's directory of doctors

Frequently asked questions about the pharmacy model

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 with BESTCARE partner practices or sante24
  • 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 santé24 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 plan, SWICA gives you a discount of 13% on your premiums. 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:

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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

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 SWICA advantages

We are happy to advise you

Would you like more information on SWICA or a personal consultation? Client Services would be happy to assist. Call us on 0800 80 90 80 or send us a message using the contact form below.

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Outstanding customer satisfaction

SWICA was once again ranked first in customer satisfaction surveys carried out by Comparis, and AmPuls, and has ranked highly in comparisons for the past ten years. You too can place your trust in SWICA and benefit from the exclusive advantages it offers.

What our customers have to say

Beatrice Grolimund
«I’ve been with SWICA since 1955; before that I was with ZOKU. I’ve never regretted making the change. SWICA’s benefits are comprehensive and effective. So, if you get sick, this gives you a good feeling, which helps you get back on your feet more quickly.»
Mattia Baldi
«My family and I trust in SWICA. I was a professional ice hockey player for 14 years and accidents were the order of the day. Our medical team always looked after us extremely well. After my sports career ended, I decided that I wanted the same care and security for my family and myself. With SWICA I’ve found the ideal partner for my family.»
Marcel Sowa
«Whether it’s processing doctors’ bills or getting help in choosing a doctor, we always have a helpful and professional point of contact. Actually, we hope that we will never need SWICA, but in the final analysis it’s good to know that we can rely on it.»
Marion Heinemann
«I’m very happy to be insured with SWICA. You only notice how good your health insurer really is when you run into a health problem. SWICA is always there for you, its advisers are very friendly, and questions about your cover are always handled quickly.
Thanks a lot for all you've done.»
Oliver Etter
«The people at SWICA are always very friendly and helpful when I contact them and provide me quickly with the information I need. I know that there are other insurers with lower rates, but I've always appreciated SWICA's service. The fact that I've been with them for years clearly says a lot.»
Remo Kistler
«The Benevita Health Programme is really great because it motivates me to get more exercise in my daily life. And you can use the various challenges to compete with your friends.»
Theresa Blüder
«I came to Switzerland from Germany in 2017 to join my boyfriend. I signed up with SWICA thanks to positive recommendations. I had the feeling right from the start that SWICA was the right insurer for me. I was offered exactly what I wanted and at a fair price!»
Urs Dübendorfer
«The whole family has been impressed with the professional and expert advice we get from SWICA. SWICA are there to advise and support us. This is a health insurer you can rely on. You can really feel that they care about the health of their customers.»
Ursina Gabathuler
«I’ve been insured with SWICA for as long as I can remember. Fortunately I’ve always enjoyed good health, and I intend to ensure that it stays that way. Thanks to the Completa Praeventa contribution towards my gym membership and my annual membership at the pool, I am more motivated to do something to stay in good physical health.»
Max Gugger
«SWICA gave me all-round support when I had an accident abroad. It was a great relief»
Florian Allenspach
«A health insurer shows its real qualities when you become ill. When I had surgery on my back seven years ago SWICA was always there for me. I benefited from preferential treatment in the hospital and straightforward processes. I can warmly recommend SWICA to anyone.»