FAVORIT MEDICA or FAVORIT MEDPHARM — Region 2, Lucerne
Region 2, Lucerne: with SWICA, FAVORIT MEDICA costs CHF 517.90 a month in 2026 and FAVORIT MEDPHARM CHF 487.60, 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 363.60 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 517.90 | CHF 487.60 | CHF 363.60 |
| 500 | CHF 506.20 | CHF 475.90 | CHF 363.60 |
| 1'000 | CHF 482.60 | CHF 452.30 | CHF 363.60 |
| 1'500 | CHF 453.40 | CHF 423.10 | CHF 363.60 |
| 2'000 | CHF 424.20 | CHF 388.40 | CHF 429.60 |
| 2'500 | CHF 395.10 | CHF 359.30 | CHF 429.60 |
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 1
- 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.