FAVORIT MULTICHOICE or FAVORIT SANTE — Region 1, Bern
Region 1, Bern: with SWICA, FAVORIT MULTICHOICE costs CHF 593.10 a month in 2026 and FAVORIT SANTE CHF 582.70, 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 124.80 saved per year against FAVORIT MULTICHOICE, for cover identical under the law. What you pay more or less for is the care pathway.
What you accept in each case
FAVORIT MULTICHOICE is a "Family doctor" model. FAVORIT SANTE is a "Group practice (HMO)" model.
- FAVORIT MULTICHOICE
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 MULTICHOICE | FAVORIT SANTE | Gap per year |
|---|---|---|---|
| 300 | CHF 593.10 | CHF 582.70 | CHF 124.80 |
| 500 | CHF 581.40 | CHF 571.00 | CHF 124.80 |
| 1'000 | CHF 559.20 | CHF 548.80 | CHF 124.80 |
| 1'500 | CHF 530.00 | CHF 519.60 | CHF 124.80 |
| 2'000 | CHF 493.90 | CHF 483.50 | CHF 124.80 |
| 2'500 | CHF 464.70 | CHF 454.30 | CHF 124.80 |
The comparison, region by region
- FAVORIT MULTICHOICE or FAVORIT SANTE?
- Aargau
- Appenzell Ausserrhoden
- Bern — Region 2
- Bern — Region 3
- Basel-Landschaft — Region 1
- Basel-Landschaft — Region 2
- Basel-Stadt
- Geneva
- Lucerne — Region 1
- Lucerne — Region 2
- Lucerne — Region 3
- St. Gallen — Region 1
- St. Gallen — Region 2
- St. Gallen — Region 3
- Schaffhausen — Region 1
- Schaffhausen — Region 2
- Solothurn
- Thurgau
- Vaud — Region 1
- Vaud — Region 2
- 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.