FAVORIT MULTICHOICE or FAVORIT SANTE — Region 3, Lucerne
Region 3, Lucerne: with SWICA, FAVORIT MULTICHOICE costs CHF 445.30 a month in 2026 and FAVORIT SANTE CHF 437.40, 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 94.80 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 445.30 | CHF 437.40 | CHF 94.80 |
| 500 | CHF 433.60 | CHF 425.80 | CHF 93.60 |
| 1'000 | CHF 409.70 | CHF 401.80 | CHF 94.80 |
| 1'500 | CHF 380.50 | CHF 372.70 | CHF 93.60 |
| 2'000 | CHF 346.10 | CHF 338.30 | CHF 93.60 |
| 2'500 | CHF 316.90 | CHF 309.10 | CHF 93.60 |
The comparison, region by region
- FAVORIT MULTICHOICE or FAVORIT SANTE?
- Aargau
- Appenzell Ausserrhoden
- Bern — Region 1
- Bern — Region 2
- Bern — Region 3
- Basel-Landschaft — Region 1
- Basel-Landschaft — Region 2
- Basel-Stadt
- Geneva
- Lucerne — Region 1
- Lucerne — Region 2
- 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.