FAVORIT MEDPHARM or FAVORIT SANTE — Region 3, Zurich
Region 3, Zurich: with SWICA, FAVORIT MEDPHARM costs CHF 478.30 a month in 2026 and FAVORIT SANTE CHF 467.50, 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 129.60 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 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 478.30 | CHF 467.50 | CHF 129.60 |
| 500 | CHF 466.70 | CHF 455.80 | CHF 130.80 |
| 1'000 | CHF 442.90 | CHF 432.10 | CHF 129.60 |
| 1'500 | CHF 413.80 | CHF 402.90 | CHF 130.80 |
| 2'000 | CHF 379.20 | CHF 368.30 | CHF 130.80 |
| 2'500 | CHF 350.00 | CHF 339.10 | CHF 130.80 |
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 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
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.