FAVORIT MEDICA or FAVORIT MEDPHARM — Region 1, Lucerne
Region 1, Lucerne: with SWICA, FAVORIT MEDICA costs CHF 528.70 a month in 2026 and FAVORIT MEDPHARM CHF 514.10, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
FAVORIT MEDPHARM is the cheaper of the two here: CHF 175.20 saved per year against FAVORIT MEDICA, for cover identical under the law. What you pay more or less for is the care pathway.
What you accept in each case
FAVORIT MEDICA and FAVORIT MEDPHARM are both "Family doctor" models. The exact conditions still differ from one product to the other: ask the insurer before signing.
- FAVORIT MEDICA
Family doctor
You pick a family doctor and always go to them first.
- FAVORIT MEDPHARM
Family doctor
You pick a family doctor and always go to them first.
The price at every deductible
| Deductible | FAVORIT MEDICA | FAVORIT MEDPHARM | Gap per year |
|---|---|---|---|
| 300 | CHF 528.70 | CHF 514.10 | CHF 175.20 |
| 500 | CHF 517.00 | CHF 502.50 | CHF 174.00 |
| 1'000 | CHF 493.60 | CHF 479.10 | CHF 174.00 |
| 1'500 | CHF 464.50 | CHF 450.00 | CHF 174.00 |
| 2'000 | CHF 435.30 | CHF 415.00 | CHF 243.60 |
| 2'500 | CHF 406.10 | CHF 385.80 | CHF 243.60 |
The comparison, region by region
- FAVORIT MEDICA or FAVORIT MEDPHARM?
- Aargau
- Appenzell Innerrhoden
- Appenzell Ausserrhoden
- Bern — Region 1
- Bern — Region 2
- Bern — Region 3
- Basel-Landschaft — Region 1
- Basel-Landschaft — Region 2
- Basel-Stadt
- Fribourg — Region 1
- Fribourg — Region 2
- Geneva
- Glarus
- Grisons — Region 1
- Grisons — Region 2
- Grisons — Region 3
- Jura
- Lucerne — Region 2
- Lucerne — Region 3
- Neuchâtel
- Nidwalden
- Obwalden
- St. Gallen — Region 1
- St. Gallen — Region 2
- St. Gallen — Region 3
- Schaffhausen — Region 1
- Schaffhausen — Region 2
- Solothurn
- Schwyz
- Thurgau
- Ticino — Region 1
- Ticino — Region 2
- Uri
- Vaud — Region 1
- Vaud — Region 2
- Valais — Region 1
- Valais — Region 2
- Zug
- Zurich — Region 1
- Zurich — Region 2
An alternative model commits you to a care pathway: check the conditions with the insurer before signing. This page gives a price, not advice.
Source: Federal Office of Public Health (FOPH), official premiums and territorial coverage areas.