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FAVORIT MEDICA or FAVORIT SANTE — Region 1, Bern

Region 1, Bern: with SWICA, FAVORIT MEDICA costs CHF 617.40 a month in 2026 and FAVORIT SANTE CHF 582.70, 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 416.40 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 is a "Family doctor" model. FAVORIT SANTE is a "Group practice (HMO)" model.

  • FAVORIT MEDICA

    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 MEDICAFAVORIT SANTEGap per year
300CHF 617.40CHF 582.70CHF 416.40
500CHF 605.70CHF 571.00CHF 416.40
1'000CHF 583.50CHF 548.80CHF 416.40
1'500CHF 554.30CHF 519.60CHF 416.40
2'000CHF 525.10CHF 483.50CHF 499.20
2'500CHF 496.00CHF 454.30CHF 500.40

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.