FAVORIT MEDICA or FAVORIT TELMED — Region 3, Lucerne
Region 3, Lucerne: with SWICA, FAVORIT MEDICA costs CHF 476.70 a month in 2026 and FAVORIT TELMED CHF 476.70, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
Here FAVORIT MEDICA and FAVORIT TELMED cost exactly the same. The choice is therefore not about the amount, but about the care pathway you accept.
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 476.70 | CHF 476.70 | — |
| 500 | CHF 465.00 | CHF 465.00 | — |
| 1'000 | CHF 441.10 | CHF 441.10 | — |
| 1'500 | CHF 411.90 | CHF 411.90 | — |
| 2'000 | CHF 382.80 | CHF 382.80 | — |
| 2'500 | CHF 353.60 | CHF 353.60 | — |
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 2
- 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.