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Basic insurance with an initial assessment from a pharmacy – highly recommended.

Under Favorit Medpharm basic insurance you first contact a SWICA partner pharmacy or the santé24 online practice. Find out here how you benefit from this insurance.

Product highlights

Choice of different medical points of contact

How the pharmacy model works

Under the Medpharm pharmacy model, you consult one of our partner pharmacies or call the santé24 online practice (available around the clock) on +41 44 404 86 86 for health-related matters.

Possible to get a rapid initial medical opinion without an appointment at a SWICA partner pharmacy or through the santé24 online practice
If our partner pharmacy or santé24 cannot resolve the problem for you, you can choose your doctor from the comprehensive Medpharm directory. Your doctor can refer you to any doctor in the Medpharm directory.
No co-payment (does not affect your excess and deductible): For any telemedicine services that santé24 provides (advice, consultations with experts and doctors), as long as basic insurance covers them. Exceptions include: advice and consultations in conjunction with nutrition advice and the psychological/psychiatric counselling service.
You get a discount of between 8% and 19.5% on your premium When you switch from the Standard basic insurance plan to the pharmacy plan, SWICA gives you a discount of between 8% and 19.5% 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 pharmacy plan: Minimum discount: Adult aged 26 or over, living in Oberdorf, excess: CHF 300, no accident cover, standard premium: CHF 444.50, with 8% discount: monthly premium of CHF 404.50. Maximum discount: Adult aged 26 or over, living in Lausanne, excess: CHF 300, no accident cover, standard premium: CHF 676.20, with 19.5% discount: monthly premium of CHF 544.30. You can see the possible premium discount for you directly in our premium calculator.. 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

Grafik_107_e_Favorit_Medpharm — Your points of contact under the SWICA Favorit Medpharm pharmacy model

Your premium for the SWICA pharmacy model

Your premium is calculated based on your age, place of residence and chosen excess. Calculate your premium now and take out health insurance online – it’s quick and easy.

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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

Downloads and directories

Overview of benefits – all offers

Favorit Medpharm information

Supplementary conditions Favorit Medpharm

General Insurance Conditions (GIC) KVG

Directory of pharmacies

Directory of doctors

Smart savings with a combination of SWICA basic and supplementary insurance

SWICA is the only health insurer that offsets the cost-sharing from its basic insurance against the cost-sharing of its SWICA supplementary insurance plans. As a result, the maximum annual out-of-pocket contribution is generally lower than with other health insurers. Learn more.

Enhance your basic insurance model

With SWICA’s range of supplementary insurance plans, you can extend the protection provided by your basic insurance. Benefit from greater comfort, more privacy and free choice of hospital, as well as attractive contributions towards sports activities, glasses and your personal well-being.

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Hospitalisation insurance, for more peace of mind if the worst happens

Find out how to get the best cover and care with hospitalisation insurance from SWICA.

Compare hospital insurance plans

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Overview

Complementary medicine, fitness, vaccinations, dental health, glasses, hospitalisation insurance and more: with supplementary insurance from SWICA you can extend your cover to suit your individual needs and receive generous contributions towards health promotion and preventive healthcare.

Go to the supplementary insurance plans

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Optimise & Save

Choose an alternative model for your basic insurance or benefit from lower co-payments with SWICA supplementary insurance. Discover more attractive options for optimising your premium.

Find out more

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More benefits for our customers: discounted offers from partner organisations

Numerous destinations and offers are waiting to be discovered. Thanks to around 100 active4life benefit offers, SWICA policyholders enjoy attractive discounts from selected partners in the areas of leisure, nutrition, health, sport and wellness.

Discover all the details now.

Frequently asked questions about the SWICA basic insurance pharmacy model

This is where you will find answers to frequently asked questions about the SWICA basic insurance pharmacy model.

The main difference between the two insurance models is your point of contact: With the pharmacy model, your first point of contact for health-related questions is a SWICA partner pharmacy or the santé24 online practice on +41 44 404 86 86.

SWICA also offers you an attractive premium discount for the basic insurance pharmacy model.

The benefits are the same as those provided under SWICA’s standard basic insurance model.

Even if you are insured under the SWICA pharmacy model, you may still contact a doctor or other medical service provider directly in the following cases:

In an emergency
For appointments with ophthalmologists, gynaecologists and paediatricians, provided they are in the Medpharm directory
Before follow-up treatment in connection with consultations already agreed with a SWICA partner pharmacy or santé24, provided they are carried out by service providers in the Medpharm directory
For treatment during a temporary stay abroad

If you get advice from 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 via a teleconsultation with Medgate. If the Medgate doctor decides to issue a prescription from the specialities list (SL), this will be billed under basic insurance, minus the annual excess and deductible.

If you switch from the standard basic insurance model to the pharmacy model, SWICA will give you a premium discount of between 8% and 19.5%. The exact discount depends on your place of residence, your age and your chosen excess.

Examples of minimum and maximum possible premium discounts with the SWICA pharmacy model:

Minimum premium discount: Adult aged 26 or over, lives in Oberdorf, excess: 300 francs, no accident cover, standard premium 444.50 francs, with 8% discount: premium 404.50 francs per month.
Maximum premium discount: Adult aged 26 or over, lives in Lausanne, excess: 300 francs, no accident cover, standard premium 676.20 francs, with 19.5% discount: premium 544.30 francs per month.

To the premium calculator

You can get attractive premium discounts with an alternative basic insurance model such as SWICA Favorit Casa. You can cut your premium further by increasing your excess. SWICA also offers family discounts for children and young people along with other ways to optimise your premium.

In addition, you can benefit from lower co-payments if you have also taken out any supplementary insurance policies with SWICA. SWICA is the only health insurer that applies co-payments from basic insurance to those of its supplementary insurance, making your maximum annual co-payment significantly lower than with other health insurers.