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FAVORIT CASA or FAVORIT SANTE — Region 3, Lucerne

Region 3, Lucerne: with SWICA, FAVORIT CASA costs CHF 442.70 a month in 2026 and FAVORIT SANTE CHF 437.40, 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 63.60 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 442.70CHF 437.40CHF 63.60
500CHF 431.00CHF 425.80CHF 62.40
1'000CHF 407.10CHF 401.80CHF 63.60
1'500CHF 377.90CHF 372.70CHF 62.40
2'000CHF 348.70CHF 338.30CHF 124.80
2'500CHF 319.60CHF 309.10CHF 126.00

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.