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FAVORIT MEDPHARM or FAVORIT SANTE — Region 2, Bern

Region 2, Bern: with SWICA, FAVORIT MEDPHARM costs CHF 512.40 a month in 2026 and FAVORIT SANTE CHF 521.60, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.

FAVORIT MEDPHARM is the cheaper of the two here: CHF 110.40 saved per year against FAVORIT SANTE, 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 is a "Family doctor" model. FAVORIT SANTE is a "Group practice (HMO)" model.

  • FAVORIT MEDPHARM

    Family doctor

    You pick a family doctor and always go to them first.

  • FAVORIT SANTE

    Group practice (HMO)

    You go to a designated group practice, which coordinates your care.

The price at every deductible

DeductibleFAVORIT MEDPHARMFAVORIT SANTEGap per year
300CHF 512.40CHF 521.60CHF 110.40
500CHF 500.70CHF 509.90CHF 110.40
1'000CHF 477.70CHF 486.90CHF 110.40
1'500CHF 448.50CHF 457.70CHF 110.40
2'000CHF 413.20CHF 422.40CHF 110.40
2'500CHF 384.10CHF 393.30CHF 110.40

The comparison, region by region

An alternative model commits you to a care pathway: check the conditions with the insurer before signing. This page gives a price, not advice.

Compare every insurer

Source: Federal Office of Public Health (FOPH), official premiums and territorial coverage areas.