Discounts on basic insurance premiums with pharmacy model

Basic insurance with an initial assessment from a pharmacy or santé24

Under MEDPHARM basic insurance you first contact a SWICA partner pharmacy or the santé24 telemedicine service.

Calculate my premium

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 pharmacy model works

Under the MEDPHARM pharmacy model, you consult a SWICA partner pharmacy or call the santé24 telemedicine service (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
  • If the SWICA partner pharmacy or santé24 cannot resolve the problem conclusively, you consult a doctor from the comprehensive MEDPHARM directory
  • You get a discount of between 11.5% 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 SWICA's directories

Frequently asked questions about the pharmacy model

With the pharmacy 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 pharmacy model, for medical matters you always contact a SWICA partner pharmacy first or call the santé24 telemedicine service on +41 44 404 86 86.
  • In emergencies
  • Appointments with an eye doctor, gynaecologist or paediatrician from the MEDPHARM 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 MEDPHARM 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 pharmacy plan, SWICA gives you a discount of between 11.5% 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 pharmacy plan:

  • Minimum discount: Adult aged 26 or over, living in Stans, excess: CHF 300, no accident cover, standard premium: CHF 458.60, with 11.5% discount: monthly premium of CHF 405.90.
  • Maximum discount: Adult aged 26 or over, living in Yverdon-les-Bains, excess: CHF 300, no accident cover, standard premium: CHF 618.80, with 22.5% discount: monthly premium of CHF 479.60.

You can see the possible premium discount for you directly in our premium calculator:
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

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 in customer satisfaction surveys carried out by Comparis, 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.

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.»