FAVORIT MEDPHARM or FAVORIT SANTE — Region 1, Lucerne
Region 1, Lucerne: with SWICA, FAVORIT MEDPHARM costs CHF 514.10 a month in 2026 and FAVORIT SANTE CHF 496.70, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
FAVORIT SANTE is the cheaper of the two here: CHF 208.80 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 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 514.10 | CHF 496.70 | CHF 208.80 |
| 500 | CHF 502.50 | CHF 485.10 | CHF 208.80 |
| 1'000 | CHF 479.10 | CHF 461.70 | CHF 208.80 |
| 1'500 | CHF 450.00 | CHF 432.50 | CHF 210.00 |
| 2'000 | CHF 415.00 | CHF 397.60 | CHF 208.80 |
| 2'500 | CHF 385.80 | CHF 368.40 | CHF 208.80 |
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
- Fribourg — Region 2
- Geneva
- 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.