FAVORIT MEDICA or FAVORIT SANTE — Region 2, Lucerne
Region 2, Lucerne: with SWICA, FAVORIT MEDICA costs CHF 517.90 a month in 2026 and FAVORIT SANTE CHF 476.60, 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 495.60 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 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
| Deductible | FAVORIT MEDICA | FAVORIT SANTE | Gap per year |
|---|---|---|---|
| 300 | CHF 517.90 | CHF 476.60 | CHF 495.60 |
| 500 | CHF 506.20 | CHF 464.90 | CHF 495.60 |
| 1'000 | CHF 482.60 | CHF 441.30 | CHF 495.60 |
| 1'500 | CHF 453.40 | CHF 412.10 | CHF 495.60 |
| 2'000 | CHF 424.20 | CHF 377.40 | CHF 561.60 |
| 2'500 | CHF 395.10 | CHF 348.20 | CHF 562.80 |
The comparison, region by region
- FAVORIT MEDICA or FAVORIT SANTE?
- 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
- 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
- Zug
- 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.