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FAVORIT CASA or FAVORIT SANTE — Region 1, Lucerne

Region 1, Lucerne: with SWICA, FAVORIT CASA costs CHF 505.40 a month in 2026 and FAVORIT SANTE CHF 496.70, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.

FAVORIT SANTE is the cheaper of the two here: CHF 104.40 saved per year against FAVORIT CASA, for cover identical under the law. What you pay more or less for is the care pathway.

What you accept in each case

FAVORIT CASA is a "Family doctor" model. FAVORIT SANTE is a "Group practice (HMO)" model.

  • FAVORIT CASA

    Family doctor

    You pick a family doctor and always go to them first.

  • FAVORIT SANTE

    Group practice (HMO)

    You go to a designated group practice, which coordinates your care.

The price at every deductible

DeductibleFAVORIT CASAFAVORIT SANTEGap per year
300CHF 505.40CHF 496.70CHF 104.40
500CHF 493.80CHF 485.10CHF 104.40
1'000CHF 470.40CHF 461.70CHF 104.40
1'500CHF 441.20CHF 432.50CHF 104.40
2'000CHF 412.10CHF 397.60CHF 174.00
2'500CHF 382.90CHF 368.40CHF 174.00

The comparison, region by region

An alternative model commits you to a care pathway: check the conditions with the insurer before signing. This page gives a price, not advice.

Compare every insurer

Source: Federal Office of Public Health (FOPH), official premiums and territorial coverage areas.