SWICA FAVORIT MEDICA — Region 1, Lucerne
Region 1, Lucerne: the FAVORIT MEDICA model from SWICA costs CHF 528.70 a month for an adult with a CHF 300 deductible and accident cover, in 2026. The table below gives the whole grid: every age band, every deductible, with and without accident cover.
At CHF 528.70, FAVORIT MEDICA is not the lowest premium here: Atupri goes down to CHF 451.60. A named model does not guarantee the best price — it guarantees a care pathway.
On average, FAVORIT MEDICA costs CHF 626.40 less per year than SWICA's basic insurance in the same place, for exactly the same cover defined by law. In exchange, you accept the model's care pathway.
The full grid
Adult (26 and over)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 528.70 | CHF 491.70 |
| 500 | CHF 517.00 | CHF 480.80 |
| 1'000 | CHF 493.60 | CHF 459.10 |
| 1'500 | CHF 464.50 | CHF 432.00 |
| 2'000 | CHF 435.30 | CHF 404.80 |
| 2'500 | CHF 406.10 | CHF 377.70 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 418.30 | CHF 389.00 |
| 500 | CHF 406.70 | CHF 378.20 |
| 1'000 | CHF 377.50 | CHF 351.10 |
| 1'500 | CHF 350.50 | CHF 326.00 |
| 2'000 | CHF 323.50 | CHF 300.90 |
| 2'500 | CHF 298.70 | CHF 277.80 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 139.50 | CHF 129.80 |
| 200 | CHF 127.90 | CHF 118.90 |
| 400 | CHF 116.20 | CHF 108.10 |
| 600 | CHF 104.50 | CHF 97.20 |
The price, region by region
- 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 2
- 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
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.