SWICA FAVORIT MULTICHOICE — Region 1, Lucerne
Region 1, Lucerne: the FAVORIT MULTICHOICE model from SWICA costs CHF 505.40 a month for an adult with a CHF 300 deductible and accident cover, in 2026. The table below gives the whole grid: every age band, every deductible, with and without accident cover.
At CHF 505.40, FAVORIT MULTICHOICE is not the lowest premium here: Atupri goes down to CHF 451.60. A named model does not guarantee the best price — it guarantees a care pathway.
On average, FAVORIT MULTICHOICE costs CHF 906.00 less per year than SWICA's basic insurance in the same place, for exactly the same cover defined by law. In exchange, you accept the model's care pathway.
The full grid
Adult (26 and over)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 505.40 | CHF 470.10 |
| 500 | CHF 493.80 | CHF 459.20 |
| 1'000 | CHF 470.40 | CHF 437.50 |
| 1'500 | CHF 441.20 | CHF 410.40 |
| 2'000 | CHF 406.30 | CHF 377.80 |
| 2'500 | CHF 377.10 | CHF 350.70 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 387.80 | CHF 360.70 |
| 500 | CHF 376.20 | CHF 349.80 |
| 1'000 | CHF 351.30 | CHF 326.80 |
| 1'500 | CHF 322.20 | CHF 299.60 |
| 2'000 | CHF 288.70 | CHF 268.50 |
| 2'500 | CHF 259.50 | CHF 241.30 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 128.40 | CHF 119.40 |
| 200 | CHF 119.50 | CHF 111.20 |
| 400 | CHF 107.80 | CHF 100.30 |
| 600 | CHF 96.20 | CHF 89.50 |
The price, region by region
- 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 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
- 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.