
Basic insurance with a free choice of doctor from the directories
Under FAVORIT MEDICA you're free to choose the doctor treating you or a hospital from the comprehensive MEDICA directories.
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
How the doctor list model works
Under the FAVORIT MEDICA doctor list model you always have a free choice of doctor or a hospital from the comprehensive MEDICA directory. The santé24 telemedicine service is also there to help you on +41 44 404 86 86.
- Extensive choice of hospitals
- The doctor treating you can refer you to any other doctor in the MEDICA directory
- When you need to buy medicines you must consider any low-cost generic products. Generics are shown under «Alternative products» when you search for a medicine (go to medication directory, in German)
- You get a discount of up to 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 directories

Cheaper medicines delivered to your home
If you need one or more medications for an extended period, have the medicines prescribed by your doctor delivered to your home by a mail-order pharmacy. It's discreet, secure and convenient. Some mail-order pharmacies give SWICA customers exclusive discounts on the medicines they order.
Frequently asked questions about the doctor list model
With the doctor list 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 doctor list model, your first point of contact for medical matters is always a doctor from the comprehensive MEDICA directories. They will also discuss with you any further steps in your treatment.
- In emergencies
- When getting treatment during a temporary stay abroad
If needed, the doctors and medical staff at santé24 will be glad to answer your questions 24 hours a day on +41 44 404 86 86.
In an emergency you can go directly to an emergency centre or hospital. The doctors and medical staff at santé24 will also be glad to advise you on +41 44 404 86 86, around the clock.
When you switch from the STANDARD basic insurance model to the doctor list model, SWICA gives you a discount on your premium. This depends on where you live, your age and your chosen excess. You can see the possible premium discount for you directly in our premium calculator:
Calculate your premium now
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
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.Request a consultation Calculate your premium
Outstanding customer satisfaction
SWICA was once again ranked first in customer satisfaction surveys carried out by Comparis, bonus.ch 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.
