FAVORIT MEDPHARM or FAVORIT MULTICHOICE — Region 2, Lucerne
Region 2, Lucerne: with SWICA, FAVORIT MEDPHARM costs CHF 487.60 a month in 2026 and FAVORIT MULTICHOICE CHF 484.80, 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 33.60 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 487.60 | CHF 484.80 | CHF 33.60 |
| 500 | CHF 475.90 | CHF 473.20 | CHF 32.40 |
| 1'000 | CHF 452.30 | CHF 449.50 | CHF 33.60 |
| 1'500 | CHF 423.10 | CHF 420.40 | CHF 32.40 |
| 2'000 | CHF 388.40 | CHF 385.70 | CHF 32.40 |
| 2'500 | CHF 359.30 | CHF 356.50 | CHF 33.60 |
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 1
- 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.