
Basic insurance with app or telemedicine consultation
Under MULTICHOICE basic insurance you use the SymptomCheck in BENCURA, or alternatively contact the santé24 telemedicine service or visit a SWICA partner pharmacy.
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 MULTICHOICE model works
Under the FAVORIT MULTICHOICE model you can use the SymptomCheck in BENECURA, where you will receive a recommendation based on your answers to some questions. Alternatively, you can call the santé24 telemedicine service (available around the clock) on +41 44 404 86 86 for health-related matters, or consult a SWICA partner pharmacy.
- Rapid initial medical opinion via the BENECURA SymptomCheck, the santé24 telemedicine service or one of SWICA's partner pharmacies
- If they cannot resolve the problem conclusively, you consult a doctor or hospital from the comprehensive MULTICHOICE directory
- You get a discount of up to 20% on your premium (learn more)
To SWICA's directories

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 MULTICHOICE model you always use the SymptomCheck in BENECURA for health-related matters. Alternatively, contact the santé24 telemedicine service on +41 44 404 86 86 or a SWICA partner pharmacy.
- In emergencies
- In connection with visits to an eye doctor or gynaecologist from the MULTICHOICE directories
- In connection with treatment following a consultation by a SWICA partner pharmacy or santé24 if administered by a provider from the MULTICHOICE directories
- When getting treatment during a temporary stay abroad
If possible, please always contact santé24 first on +41 44 404 86 86, 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 model to the MULTICHOICE 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 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.
