FAVORIT MEDICA or FAVORIT MULTICHOICE — Region 3, Lucerne
Region 3, Lucerne: with SWICA, FAVORIT MEDICA costs CHF 476.70 a month in 2026 and FAVORIT MULTICHOICE CHF 445.30, 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 376.80 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 476.70 | CHF 445.30 | CHF 376.80 |
| 500 | CHF 465.00 | CHF 433.60 | CHF 376.80 |
| 1'000 | CHF 441.10 | CHF 409.70 | CHF 376.80 |
| 1'500 | CHF 411.90 | CHF 380.50 | CHF 376.80 |
| 2'000 | CHF 382.80 | CHF 346.10 | CHF 440.40 |
| 2'500 | CHF 353.60 | CHF 316.90 | CHF 440.40 |
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 2
- 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.