FAVORIT MEDPHARM or FAVORIT SANTE — Neuchâtel
Neuchâtel: with SWICA, FAVORIT MEDPHARM costs CHF 579.40 a month in 2026 and FAVORIT SANTE CHF 562.20, 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 206.40 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 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 579.40 | CHF 562.20 | CHF 206.40 |
| 500 | CHF 567.70 | CHF 550.60 | CHF 205.20 |
| 1'000 | CHF 545.40 | CHF 528.30 | CHF 205.20 |
| 1'500 | CHF 516.20 | CHF 499.10 | CHF 205.20 |
| 2'000 | CHF 480.20 | CHF 463.10 | CHF 205.20 |
| 2'500 | CHF 451.00 | CHF 433.90 | CHF 205.20 |
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 1
- Lucerne — Region 2
- Lucerne — Region 3
- 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.