FAVORIT MEDICA or FAVORIT TELMED — Region 2, Lucerne
Region 2, Lucerne: with SWICA, FAVORIT MEDICA costs CHF 517.90 a month in 2026 and FAVORIT TELMED CHF 512.40, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
FAVORIT TELMED is the cheaper of the two here: CHF 66.00 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 TELMED is a "Telemedicine and others" model.
- FAVORIT MEDICA
Family doctor
You pick a family doctor and always go to them first.
- FAVORIT TELMED
Telemedicine and others
You call a medical service before any consultation, or follow another pathway set by the insurer.
The price at every deductible
| Deductible | FAVORIT MEDICA | FAVORIT TELMED | Gap per year |
|---|---|---|---|
| 300 | CHF 517.90 | CHF 512.40 | CHF 66.00 |
| 500 | CHF 506.20 | CHF 500.70 | CHF 66.00 |
| 1'000 | CHF 482.60 | CHF 477.10 | CHF 66.00 |
| 1'500 | CHF 453.40 | CHF 447.90 | CHF 66.00 |
| 2'000 | CHF 424.20 | CHF 418.70 | CHF 66.00 |
| 2'500 | CHF 395.10 | CHF 389.60 | CHF 66.00 |
The comparison, region by region
- FAVORIT MEDICA or FAVORIT TELMED?
- 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
- Glarus
- Grisons — Region 1
- Grisons — Region 2
- Grisons — Region 3
- Jura
- 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
- Valais — Region 1
- Valais — Region 2
- Zug
- Zurich — Region 1
- Zurich — Region 2
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.