FAVORIT MULTICHOICE or FAVORIT SANTE — Region 3, Zurich
Region 3, Zurich: with SWICA, FAVORIT MULTICHOICE costs CHF 463.40 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 MULTICHOICE is the cheaper of the two here: CHF 49.20 saved per year against FAVORIT SANTE, 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 463.40 | CHF 467.50 | CHF 49.20 |
| 500 | CHF 451.70 | CHF 455.80 | CHF 49.20 |
| 1'000 | CHF 428.00 | CHF 432.10 | CHF 49.20 |
| 1'500 | CHF 398.80 | CHF 402.90 | CHF 49.20 |
| 2'000 | CHF 364.20 | CHF 368.30 | CHF 49.20 |
| 2'500 | CHF 335.10 | CHF 339.10 | CHF 48.00 |
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
- 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
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.