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FAVORIT CASA or FAVORIT SANTE — Region 2, Lucerne

Region 2, Lucerne: with SWICA, FAVORIT CASA costs CHF 482.10 a month in 2026 and FAVORIT SANTE CHF 476.60, 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 66.00 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 482.10CHF 476.60CHF 66.00
500CHF 470.40CHF 464.90CHF 66.00
1'000CHF 446.80CHF 441.30CHF 66.00
1'500CHF 417.60CHF 412.10CHF 66.00
2'000CHF 388.40CHF 377.40CHF 132.00
2'500CHF 359.30CHF 348.20CHF 133.20

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.