FAVORIT MULTICHOICE or FAVORIT TELMED — Region 3, Lucerne
Region 3, Lucerne: with SWICA, FAVORIT MULTICHOICE costs CHF 445.30 a month in 2026 and FAVORIT TELMED CHF 476.70, 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 376.80 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
| Deductible | FAVORIT MULTICHOICE | FAVORIT TELMED | Gap per year |
|---|---|---|---|
| 300 | CHF 445.30 | CHF 476.70 | CHF 376.80 |
| 500 | CHF 433.60 | CHF 465.00 | CHF 376.80 |
| 1'000 | CHF 409.70 | CHF 441.10 | CHF 376.80 |
| 1'500 | CHF 380.50 | CHF 411.90 | CHF 376.80 |
| 2'000 | CHF 346.10 | CHF 382.80 | CHF 440.40 |
| 2'500 | CHF 316.90 | CHF 353.60 | CHF 440.40 |
The comparison, region by region
- FAVORIT MULTICHOICE or FAVORIT TELMED?
- Aargau
- Appenzell Ausserrhoden
- Bern — Region 1
- Bern — Region 2
- Bern — Region 3
- Basel-Landschaft — Region 1
- Basel-Landschaft — Region 2
- Basel-Stadt
- Geneva
- Grisons — Region 1
- Grisons — Region 2
- Grisons — Region 3
- 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
- Valais — Region 1
- Valais — 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.