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FAVORIT MEDICA or FAVORIT SANTE — Region 1, Lucerne

Region 1, Lucerne: with SWICA, FAVORIT MEDICA costs CHF 528.70 a month in 2026 and FAVORIT SANTE CHF 496.70, 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 384.00 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 528.70CHF 496.70CHF 384.00
500CHF 517.00CHF 485.10CHF 382.80
1'000CHF 493.60CHF 461.70CHF 382.80
1'500CHF 464.50CHF 432.50CHF 384.00
2'000CHF 435.30CHF 397.60CHF 452.40
2'500CHF 406.10CHF 368.40CHF 452.40

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.