Skip to content
Sophie

FAVORIT MEDICA or FAVORIT SANTE — Region 3, Lucerne

Region 3, Lucerne: with SWICA, FAVORIT MEDICA costs CHF 476.70 a month in 2026 and FAVORIT SANTE CHF 437.40, 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 471.60 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

DeductibleFAVORIT MEDICAFAVORIT SANTEGap per year
300CHF 476.70CHF 437.40CHF 471.60
500CHF 465.00CHF 425.80CHF 470.40
1'000CHF 441.10CHF 401.80CHF 471.60
1'500CHF 411.90CHF 372.70CHF 470.40
2'000CHF 382.80CHF 338.30CHF 534.00
2'500CHF 353.60CHF 309.10CHF 534.00

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.