Semi-private or private hospitalisation insurance with global cover

Basic insurance with the partner practice model

Under FAVORIT SANTE basic insurance your point of contact for all health-related matters is the Medbase Health Centre or SWICA 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 HMO model works

Under the FAVORIT SANTE HMO model, you first contact your Medbase Health Centre or a SWICA partner practice. You and your doctor then discuss the best way to proceed, decide on the right specialist and hospital if needed, and agree on any further treatment measures to take.

  • Direct access to a network of doctors and therapists
  • Doctor can be chosen from a comprehensive directory of health centres
  • You get a discount of between 10% and 22.5% 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 the directory of health centres

Frequently asked questions about the HMO model

With the HMO 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 HMO model, your first point of contact for medical matters is always a Medbase Health Centre or a SWICA partner practice.
  • In emergencies
  • Children up to the age of 18 can be treated by a paediatrician without referral
  • Appointments with an eye doctor or a gynaecologist
  • 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.
If possible please always contact a SWICA partner practice or Medbase Health Centre first. In an emergency you can go directly to an emergency centre or hospital. Afterwards inform your Medbase Health Centre or SWICA partner practice as soon as possible about any emergency treatment. The doctors and medical staff at santé24 will be also glad to advise you on +41 44 404 86 86, around the clock.

When you switch from the STANDARD basic insurance plan to the HMO model, SWICA gives you a discount of between 10% and 22.5% 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 HMO plan:

  • Minimum discount: Adult aged 26 or over, living in Schwyz, excess: CHF 300, no accident cover, standard premium: CHF 469.40, with 10% discount: monthly premium of CHF 422.50.
  • Maximum discount: Adult aged 26 or over, living in Stein am Rhein, excess: CHF 300, no accident cover, standard premium: CHF 513.00, with 22.5% discount: monthly premium of CHF 397.60.

The HMO plan is not offered in the following cantons: Glarus, Graubünden, Jura and Valais.

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

Comparis, K-Tipp, and AmPuls - 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.

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.»