FAVORIT MEDPHARM or FAVORIT MULTICHOICE — Region 1, Lucerne
Region 1, Lucerne: with SWICA, FAVORIT MEDPHARM costs CHF 514.10 a month in 2026 and FAVORIT MULTICHOICE CHF 505.40, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
FAVORIT MULTICHOICE is the cheaper of the two here: CHF 104.40 saved per year against FAVORIT MEDPHARM, for cover identical under the law. What you pay more or less for is the care pathway.
What you accept in each case
FAVORIT MEDPHARM and FAVORIT MULTICHOICE are both "Family doctor" models. The exact conditions still differ from one product to the other: ask the insurer before signing.
- FAVORIT MEDPHARM
Family doctor
You pick a family doctor and always go to them first.
- FAVORIT MULTICHOICE
Family doctor
You pick a family doctor and always go to them first.
The price at every deductible
| Deductible | FAVORIT MEDPHARM | FAVORIT MULTICHOICE | Gap per year |
|---|---|---|---|
| 300 | CHF 514.10 | CHF 505.40 | CHF 104.40 |
| 500 | CHF 502.50 | CHF 493.80 | CHF 104.40 |
| 1'000 | CHF 479.10 | CHF 470.40 | CHF 104.40 |
| 1'500 | CHF 450.00 | CHF 441.20 | CHF 105.60 |
| 2'000 | CHF 415.00 | CHF 406.30 | CHF 104.40 |
| 2'500 | CHF 385.80 | CHF 377.10 | CHF 104.40 |
The comparison, region by region
- FAVORIT MEDPHARM or FAVORIT MULTICHOICE?
- Aargau
- Appenzell Ausserrhoden
- Bern — Region 1
- Bern — Region 2
- Bern — Region 3
- Basel-Landschaft — Region 1
- Basel-Landschaft — Region 2
- Basel-Stadt
- Geneva
- Grisons — Region 1
- Grisons — Region 2
- Grisons — Region 3
- Lucerne — Region 2
- Lucerne — Region 3
- St. Gallen — Region 1
- St. Gallen — Region 2
- St. Gallen — Region 3
- Schaffhausen — Region 1
- Schaffhausen — Region 2
- Solothurn
- Thurgau
- Vaud — Region 1
- Vaud — Region 2
- Valais — Region 1
- Valais — Region 2
- Zurich — Region 1
- Zurich — Region 2
- Zurich — Region 3
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.