General
General information:
Health insurance model «FAVORIT CASA» of the insurance company Swica.
Health insurance model:
Family doctor model: When you use a family doctor policy, you are required to visit your relevant family doctor first. Your doctor may then refer you to specialists, therapists or hospitals. A primary consultation from your doctor is not necessary in the event of medical emergencies, gynecological examinations and treatments by eye doctors.
Choice of doctor:
Your choice of family doctor is limited to just one doctor from the Swica doctor list.
Medical partner:
Argomed, Ärztenetz Nordwest, Ärztenetzwerk Thurgau, Beodocs, Doccare, Docnet, DOXnet, Grisomed, Hapmed, HARESO, HAV Schwyz, HAV-SH, Hawa, Igomed, iNetz, localmed, Luganocare, Medbase, MediX, mediX limmimed, mediX luzern, mediX säntis, mediX winterthur, MedNet Biel-Bienne, mednetbern, Monvia, PizolCare, Réseau de Soins Neuchâtelois, Réseau Delta, RhyMed, Seelandnet, xundart, zimdoc, zmed, Zolamed, Zürcher Gesundheitsnetz.
Pharmacy choice:
You get free choice of pharmacy
Payment methods:
11.6% of payments are made using the tiers garant payment method, in which you pay and claim reimbursement.
88.3% of payments are tiers payant, meaning the bills are paid directly by the insurance (Swica).
Reimbursement:
The average waiting period before tiers garant reimbursement from Swica is 2.3 days.
Financial reserves:
The solvency ratio shows how available financial reserves compare to Federal Office of Public Health (FOPH) minimum reserve requirements. The solvency ratio of Swica is 106% (according to FOPH data). The minimum ratio required by the FOPH is 100%.
Number of policyholders:
A total of 727,810 people hold compulsory health insurance policies from Swica.
Additional child-discount:
Swica provides additional premium reductions from the third child onwards.
Administrative costs:
5.3% (ratio of adminstrative costs to risk-adjusted premiums as per BAG data).
Administrative costs per policyholder:
CHF 202 (as per the most recent BAG data).
Deal of the Day 
Funds
