Basic insurance with an initial assessment from a pharmacy or santé24

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 centre 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 the santé24 telemedicine centre 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 9% and 20.7% 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 442.50, with 9% discount: monthly premium of CHF 402.60.
• Maximum discount: Adult aged 26 or over, living in Bellinzona, excess: CHF 300, no accident cover, standard premium: CHF 730.90, with 20.7% discount: monthly premium of CHF 579.30.

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