FAVORIT MEDICA or FAVORIT MULTICHOICE — Region 2, Lucerne
Region 2, Lucerne: with SWICA, FAVORIT MEDICA costs CHF 517.90 a month in 2026 and FAVORIT MULTICHOICE CHF 484.80, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
FAVORIT MULTICHOICE is the cheaper of the two here: CHF 397.20 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 MULTICHOICE 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 MULTICHOICE
Family doctor
You pick a family doctor and always go to them first.
The price at every deductible
| Deductible | FAVORIT MEDICA | FAVORIT MULTICHOICE | Gap per year |
|---|---|---|---|
| 300 | CHF 517.90 | CHF 484.80 | CHF 397.20 |
| 500 | CHF 506.20 | CHF 473.20 | CHF 396.00 |
| 1'000 | CHF 482.60 | CHF 449.50 | CHF 397.20 |
| 1'500 | CHF 453.40 | CHF 420.40 | CHF 396.00 |
| 2'000 | CHF 424.20 | CHF 385.70 | CHF 462.00 |
| 2'500 | CHF 395.10 | CHF 356.50 | CHF 463.20 |
The comparison, region by region
- FAVORIT MEDICA or FAVORIT MULTICHOICE?
- Aargau
- Appenzell Ausserrhoden
- Bern — Region 1
- Bern — Region 2
- Bern — Region 3
- Basel-Landschaft — Region 1
- Basel-Landschaft — Region 2
- Basel-Stadt
- Geneva
- Grisons — Region 1
- Grisons — Region 2
- Grisons — Region 3
- Lucerne — Region 1
- Lucerne — Region 3
- St. Gallen — Region 1
- St. Gallen — Region 2
- St. Gallen — Region 3
- Schaffhausen — Region 1
- Schaffhausen — Region 2
- Solothurn
- Thurgau
- Vaud — Region 1
- Vaud — Region 2
- Valais — Region 1
- Valais — Region 2
- Zurich — Region 1
- Zurich — Region 2
- Zurich — Region 3
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.