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FAVORIT MULTICHOICE or FAVORIT TELMED — Region 1, Lucerne

Region 1, Lucerne: with SWICA, FAVORIT MULTICHOICE costs CHF 505.40 a month in 2026 and FAVORIT TELMED CHF 528.70, 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 279.60 saved per year against FAVORIT TELMED, 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 TELMED is a "Telemedicine and others" model.

  • FAVORIT MULTICHOICE

    Family doctor

    You pick a family doctor and always go to them first.

  • FAVORIT TELMED

    Telemedicine and others

    You call a medical service before any consultation, or follow another pathway set by the insurer.

The price at every deductible

DeductibleFAVORIT MULTICHOICEFAVORIT TELMEDGap per year
300CHF 505.40CHF 528.70CHF 279.60
500CHF 493.80CHF 517.00CHF 278.40
1'000CHF 470.40CHF 493.60CHF 278.40
1'500CHF 441.20CHF 464.50CHF 279.60
2'000CHF 406.30CHF 435.30CHF 348.00
2'500CHF 377.10CHF 406.10CHF 348.00

The comparison, region by region

An alternative model commits you to a care pathway: check the conditions with the insurer before signing. This page gives a price, not advice.

Compare every insurer

Source: Federal Office of Public Health (FOPH), official premiums and territorial coverage areas.