Basic insurance with app or telemedicine consultation

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
• Appointments with an eye doctor, gynaecologist or paediatrician from the MULTICHOICE directory
• Before receiving treatments in connection with consultations as agreed on with a SWICA partner pharmacy or santé24 if administered by a provider from the MULTICHOICE directory
• When getting treatment during a temporary stay abroad

If you're advised by a MEDPHARM pharmacy without a doctor's prescription, you must pay for the medicine yourself. If the pharmacist gives you advice using the NetCare algorithms, you can request a prescription in a teleconsultation with Medgate. If the Medgate doctor decides to make out a prescription from the specialities list (SL), this will be billed under basic insurance less the annual excess and deductible.

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 plan to the MULTICHOICE plan, SWICA gives you a discount of between 14.5% 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 MULTICHOICE plan:

• Minimum discount: Adult aged 26 or over, living in Sargans, excess: CHF 300, no accident cover, standard premium: CHF 474.00, with 14.5% discount: monthly premium of CHF 405.30.
• 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 MULTICHOICE plan is only offered in the following cantons: Appenzell Ausserrhoden, Bern, Basel-Landschaft, Geneva, Lucerne, St. Gallen, Schaffhausen, Solothurn, Thurgau, Vaud, Valais 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