
Basic insurance with the partner practice model
Under FAVORIT SANTE /HMO PROVITA basic insurance your point of contact for all health-related matters is the Medbase Health Centre or SWICA partner practice.
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 HMO model works
Under the
- 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 up to 22,5% on your premium (learn more)
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 model to the HMO 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
PROVITA has been part of SWICA since 2013. Depending on the model, the SWICA or PROVITA basic insurance option may be cheaper. By default, SWICA always offers you the least expensive option in the premium calculator.
Calculate your premium now
Calculate your premium now
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 among major health insurers in customer satisfaction surveys carried out by Comparis, K-Tipp, 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.
