SWICA FAVORIT MEDICA — Region 3, Lucerne
Region 3, Lucerne: the FAVORIT MEDICA model from SWICA costs CHF 476.70 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 476.70, FAVORIT MEDICA is not the lowest premium here: Agrisano goes down to CHF 414.30. A named model does not guarantee the best price — it guarantees a care pathway.
On average, FAVORIT MEDICA costs CHF 565.20 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 476.70 | CHF 443.30 |
| 500 | CHF 465.00 | CHF 432.50 |
| 1'000 | CHF 441.10 | CHF 410.20 |
| 1'500 | CHF 411.90 | CHF 383.10 |
| 2'000 | CHF 382.80 | CHF 356.00 |
| 2'500 | CHF 353.60 | CHF 328.90 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 377.20 | CHF 350.80 |
| 500 | CHF 365.60 | CHF 340.00 |
| 1'000 | CHF 336.40 | CHF 312.90 |
| 1'500 | CHF 309.20 | CHF 287.60 |
| 2'000 | CHF 282.00 | CHF 262.30 |
| 2'500 | CHF 256.80 | CHF 238.80 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 125.80 | CHF 117.00 |
| 200 | CHF 114.20 | CHF 106.20 |
| 400 | CHF 102.50 | CHF 95.30 |
| 600 | CHF 90.80 | CHF 84.50 |
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 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
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.