FAVORIT MEDPHARM or FAVORIT SANTE — Region 2, Fribourg
Region 2, Fribourg: with SWICA, FAVORIT MEDPHARM costs CHF 480.90 a month in 2026 and FAVORIT SANTE CHF 492.40, 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 138.00 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
| Deductible | FAVORIT MEDPHARM | FAVORIT SANTE | Gap per year |
|---|---|---|---|
| 300 | CHF 480.90 | CHF 492.40 | CHF 138.00 |
| 500 | CHF 469.30 | CHF 480.70 | CHF 136.80 |
| 1'000 | CHF 445.80 | CHF 457.30 | CHF 138.00 |
| 1'500 | CHF 416.70 | CHF 428.10 | CHF 136.80 |
| 2'000 | CHF 381.80 | CHF 393.20 | CHF 136.80 |
| 2'500 | CHF 352.60 | CHF 364.10 | CHF 138.00 |
The comparison, region by region
- FAVORIT MEDPHARM or FAVORIT SANTE?
- 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
- Geneva
- Lucerne — Region 1
- 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
- Ticino — Region 1
- Ticino — Region 2
- Uri
- Vaud — Region 1
- Vaud — Region 2
- Zug
- 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.